TellerScore

I.M. Detroit District Credit Union is a federally insured state-chartered credit union headquartered in Detroit, Michigan, in business for about 69 years. At the end of Q2 2026 it reported $1.9M in total assets and $1.4M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, I.M. Detroit District Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 5th. Its strongest component is capital cushion (100/100; 28.08%), and its lowest is funding & liquidity (50/100; 2% loans-to-deposits, 89% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.08%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.34%
Funding & liquidity50/100
Loans ÷ shares: 2.2% · 88.7% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (100 → 93), mostly because the funding & liquidity component weakened by 50 points.

TellerScore
9095100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202493
Q4 202493
Q1 202592
Q2 2025100
Q3 202593
Q4 202593
Q1 202692
Q2 202693
Net worth ratio
7.00%18.10%29.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202423.00%
Q3 202422.50%
Q4 202424.74%
Q1 202523.42%
Q2 202522.37%
Q3 202525.96%
Q4 202529.20%
Q1 202626.06%
Q2 202628.08%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.87%2.60%3.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.97%
Q3 20242.84%
Q4 20243.28%
Q1 20251.87%
Q2 20252.50%
Q3 20252.79%
Q4 20253.32%
Q1 20261.99%
Q2 20262.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$1.9M28.08%0.00%2.34%2.2%
Q1 202692$2.0M26.06%0.00%1.99%2.2%
Q4 202593$1.8M29.20%0.00%3.32%2.7%
Q3 202593$1.9M25.96%0.00%2.79%0.0%
Q2 2025100$2.2M22.37%0.00%2.50%0.1%
Q1 202592$2.0M23.42%0.00%1.87%0.1%
Q4 202493$1.8M24.74%0.00%3.28%0.2%
Q3 202493$1.9M22.50%0.00%2.84%0.2%
Q2 202490$1.8M23.00%—2.97%0.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio28.08%
92nd
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets2.34%
97th
Loans to deposits2.2%
99th
Uninsured deposits88.7%
0th
Loan-loss reserves1.50%
87th
Texas ratio0.0%
93rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
West Michigan Postal Service Federal Credit UnionCredit union Muskegon, MI65 out of 100, Moderate$7.1M13.7%2.41%vs
Westacres Credit UnionCredit union West Bloomfield, MI82 out of 100, Strong$7.1M13.5%0.00%vs
Rock Community Federal Credit UnionCredit union Rock, MI69 out of 100, Moderate$9.1M8.7%0.04%vs
Lake Superior Credit UnionCredit union Ontonagon, MI96 out of 100, Very strong$11.2M14.3%0.17%vs
Muskegon St Joseph Federal Credit UnionCredit union Muskegon, MI67 out of 100, Moderate$12.4M11.1%0.89%vs
Northern Lights Community Federal Credit UnionCredit union Chatham, MI70 out of 100, Strong$12.9M9.8%1.67%vs

Deposit insurance

Is my money safe at I.M. Detroit District Credit Union?

Yes. I.M. Detroit District Credit Union is a federally insured credit union (NCUA charter #62167). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 88.7% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 28.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

I.M. Detroit District Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
I.M. Detroit District Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62167
RSSD ID
831893
Primary regulator
State + NCUA
Established
1957
Headquarters
2101 Gratiot Avenue, Detroit, MI 48207

Quick answers

I.M. Detroit District Credit Union: common questions

Is I.M. Detroit District Credit Union NCUA insured?

Yes. I.M. Detroit District Credit Union is a federally insured credit union (NCUA charter #62167). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is I.M. Detroit District Credit Union's TellerScore?

93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does I.M. Detroit District Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Detroit

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs