Integra First Federal Credit Union (NCUA charter #5748) is based in Powers, Michigan. Its Q2 2026 call report shows $135.4M in total assets and $122.8M in member shares and deposits and 3 offices.
Based on its Q2 2026 filing, Integra First Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 157th. Its strongest component is funding & liquidity (89/100; 71% loans-to-deposits, 6% uninsured), and its lowest is earnings (27/100; 0.17%).
TellerScore · Q2 2026
Scorecard
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 3 points (59 → 56), mostly because the loan quality component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 59 |
| Q1 2025 | 60 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 55 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.94% |
| Q3 2024 | 9.01% |
| Q4 2024 | 9.06% |
| Q1 2025 | 9.01% |
| Q2 2025 | 9.11% |
| Q3 2025 | 9.19% |
| Q4 2025 | 9.10% |
| Q1 2026 | 8.95% |
| Q2 2026 | 9.03% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.77% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.99% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $135.4M | 9.03% | 0.99% | 0.17% | 71.4% |
| Q1 2026 | 55 | $135.6M | 8.95% | 0.99% | 0.10% | 71.0% |
| Q4 2025 | 58 | $133.1M | 9.10% | 1.00% | 0.33% | 67.4% |
| Q3 2025 | 60 | $130.8M | 9.19% | 0.77% | 0.32% | 68.8% |
| Q2 2025 | 59 | $130.4M | 9.11% | 0.85% | 0.26% | 67.5% |
| Q1 2025 | 60 | $130.5M | 9.01% | 0.69% | 0.17% | 65.1% |
| Q4 2024 | 59 | $129.2M | 9.06% | 0.72% | 0.09% | 65.4% |
| Q3 2024 | 59 | $130.8M | 9.01% | 0.71% | 0.16% | 65.2% |
| Q2 2024 | 59 | $131.4M | 8.94% | 0.74% | 0.18% | 65.3% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sunrise Family Credit UnionCredit union Bay City, MI | 68 out of 100, Moderate | $133.5M | 9.2% | 0.07% | vs |
| Breakwater Federal Credit UnionCredit union Houghton, MI | 92 out of 100, Very strong | $138.2M | 13.7% | 0.32% | vs |
| Walled Lake Schools Federal Credit UnionCredit union Wolverine Lake, MI | 81 out of 100, Strong | $138.4M | 14.6% | 1.50% | vs |
| Straits Area Federal Credit UnionCredit union Cheboygan, MI | 59 out of 100, Moderate | $132.4M | 11.7% | 2.77% | vs |
| Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI | 83 out of 100, Strong | $140.0M | 13.5% | 0.39% | vs |
| Meijer Credit UnionCredit union Grand Rapids, MI | 71 out of 100, Strong | $128.1M | 9.4% | 0.29% | vs |
Deposit insurance
Is my money safe at Integra First Federal Credit Union?
Yes. Integra First Federal Credit Union is a federally insured credit union (NCUA charter #5748). 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 6.4% of shares and deposits ($7.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.03%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Integra First Federal Credit Union lists 3 offices in 3 cities. Most locations:
- Menominee, MI (1)
- Powers, MI (1)
- Stephenson, MI (1)
Identity & history
Profile
- Legal name
- Integra First Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5748
- RSSD ID
- 1010378
- Primary regulator
- NCUA
- Established
- 1948
- Headquarters
- Po Box 604, Powers, MI 49874
- Employees
- 33
Quick answers
Integra First Federal Credit Union: common questions
Is Integra First Federal Credit Union NCUA insured?
Yes. Integra First Federal Credit Union is a federally insured credit union (NCUA charter #5748). 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 Integra First Federal Credit Union's TellerScore?
56 out of 100 (Moderate), 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 Integra First Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Powers
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank, Upper MichiganBank Gladstone, MI | 81 out of 100, Strong | $629.5M | 12.7% | 0.63% | vs |
| U.P. State Credit UnionCredit union Escanaba, MI | 79 out of 100, Strong | $210.3M | 13.2% | 1.10% | vs |
| Upper Peninsula State BankBank Escanaba, MI | 72 out of 100, Strong | $371.7M | 13.4% | 1.09% | vs |
| Great Lakes First Federal Credit UnionCredit union Escanaba, MI | 66 out of 100, Moderate | $105.4M | 10.3% | 1.15% | vs |
| Northern Interstate Bank, N. A.Bank Norway, MI | 65 out of 100, Moderate | $193.5M | 9.4% | 0.75% | vs |
| Nicolet National BankBank Green Bay, WI | 64 out of 100, Moderate | $15.4B | 9.6% | 0.63% | vs |