TellerScore

Iron Mountain Kingsford Community Federal Credit Union is a federal credit union headquartered in Kingsford, Michigan, in business for about 78 years. At the end of Q2 2026 it reported $149.4M in total assets and $121.8M in member shares and deposits, with 1 office.

Iron Mountain Kingsford Community Federal Credit Union has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 2nd. Capital cushion contributes the most (100/100, 17.86%); earnings contributes the least (86/100, 1.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.86%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity100/100
Loans ÷ shares: 28.6% · 1.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.23%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (97 → 96).

TellerScore
959799Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202499
Q3 202498
Q4 202498
Q1 202598
Q2 202597
Q3 202598
Q4 202597
Q1 202695
Q2 202696
Net worth ratio
7.00%12.43%17.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.17%
Q3 202415.79%
Q4 202416.16%
Q1 202516.20%
Q2 202516.72%
Q3 202517.35%
Q4 202517.58%
Q1 202617.31%
Q2 202617.86%
Delinquent loans (60+ days)
0.11%0.20%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.25%
Q4 20240.25%
Q1 20250.19%
Q2 20250.28%
Q3 20250.23%
Q4 20250.29%
Q1 20260.22%
Q2 20260.18%
Return on assets
1.57%1.96%2.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.35%
Q3 20242.35%
Q4 20242.24%
Q1 20251.92%
Q2 20251.97%
Q3 20252.00%
Q4 20251.94%
Q1 20261.57%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$149.4M17.86%0.18%1.66%28.6%
Q1 202695$150.4M17.31%0.22%1.57%28.4%
Q4 202597$144.8M17.58%0.29%1.94%30.5%
Q3 202598$142.8M17.35%0.23%2.00%31.4%
Q2 202597$143.9M16.72%0.28%1.97%30.3%
Q1 202598$144.0M16.20%0.19%1.92%29.9%
Q4 202498$140.1M16.16%0.25%2.24%30.7%
Q3 202498$138.9M15.79%0.25%2.35%31.4%
Q2 202499$139.3M15.17%0.11%2.35%30.6%

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).

Capital ratio17.86%
95th
Problem loans0.18%
91st
Net charge-offs0.22%
68th
Return on assets1.66%
92nd
Loans to deposits28.6%
99th
Uninsured deposits1.9%
91st
Loan-loss reserves0.00%
50th
Texas ratio0.2%
97th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Community First Federal Credit UnionCredit union Lakeview, MI45 out of 100, Below average$148.8M8.4%2.02%vs
Financialedge Credit UnionCredit union Bay City, MI74 out of 100, Strong$147.2M12.3%0.66%vs
Lenco Credit UnionCredit union Adrian, MI82 out of 100, Strong$145.0M12.1%0.21%vs
Best Financial Credit UnionCredit union Muskegon, MI63 out of 100, Moderate$154.3M14.8%1.93%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs

Deposit insurance

Is my money safe at Iron Mountain Kingsford Community Federal Credit Union?

Yes. Iron Mountain Kingsford Community Federal Credit Union is a federally insured credit union (NCUA charter #5660). 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 1.9% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Iron Mountain Kingsford Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Kingsford, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Iron Mountain Kingsford Community Federal Credit Union
Type
Federal credit union
NCUA charter #
5660
RSSD ID
942977
Primary regulator
NCUA
Established
1948
Headquarters
400 S Carpenter Avenue, Kingsford, MI 49802
Employees
33

Quick answers

Iron Mountain Kingsford Community Federal Credit Union: common questions

Is Iron Mountain Kingsford Community Federal Credit Union NCUA insured?

Yes. Iron Mountain Kingsford Community Federal Credit Union is a federally insured credit union (NCUA charter #5660). 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 Iron Mountain Kingsford Community Federal Credit Union's TellerScore?

96 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 Iron Mountain Kingsford Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kingsford

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Forward Financial Credit UnionCredit union Niagara, WI75 out of 100, Strong$85.9M13.5%0.79%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs
The Stephenson National Bank and TrustBank Marinette, WI66 out of 100, Moderate$676.8M10.1%1.15%vs