TellerScore

Isabella Community Credit Union is a federally insured state-chartered credit union headquartered in MT Pleasant, Michigan, in business for about 68 years. At the end of Q2 2026 it reported $222.2M in total assets and $198.8M in member shares and deposits, with 5 offices.

Isabella Community Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 107th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 1% uninsured); capital cushion contributes the least (51/100, 10.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.07%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.14%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity100/100
Loans ÷ shares: 58.3% · 0.7% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.89%

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 (68 → 69).

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202464
Q1 202568
Q2 202568
Q3 202570
Q4 202569
Q1 202670
Q2 202669
Net worth ratio
7.00%8.54%10.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.60%
Q3 20248.82%
Q4 20248.95%
Q1 20258.99%
Q2 20259.29%
Q3 20259.56%
Q4 20259.51%
Q1 20269.71%
Q2 202610.07%
Delinquent loans (60+ days)
0.33%0.74%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.35%
Q4 20240.70%
Q1 20250.55%
Q2 20250.87%
Q3 20250.68%
Q4 20250.81%
Q1 20260.81%
Q2 20261.14%
Return on assets
0.23%0.75%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.43%
Q4 20240.61%
Q1 20250.92%
Q2 20251.18%
Q3 20251.16%
Q4 20251.13%
Q1 20261.14%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$222.2M10.07%1.14%1.26%58.3%
Q1 202670$222.6M9.71%0.81%1.14%58.1%
Q4 202569$220.6M9.51%0.81%1.13%59.6%
Q3 202570$213.2M9.56%0.68%1.16%60.3%
Q2 202568$213.1M9.29%0.87%1.18%61.0%
Q1 202568$211.6M8.99%0.55%0.92%59.0%
Q4 202464$207.1M8.95%0.70%0.61%62.4%
Q3 202465$204.1M8.82%0.35%0.43%63.4%
Q2 202463$204.4M8.60%0.33%0.23%59.3%

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).

Capital ratio10.07%
30th
Problem loans1.14%
24th
Net charge-offs0.24%
65th
Return on assets1.26%
81st
Loans to deposits58.3%
80th
Uninsured deposits0.7%
95th
Loan-loss reserves0.00%
50th
Texas ratio5.9%
32nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Michigan Legacy Credit UnionCredit union Wyandotte, MI75 out of 100, Strong$226.8M12.4%0.46%vs
Parda Federal Credit UnionCredit union Auburn Hills, MI75 out of 100, Strong$217.4M13.7%0.75%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Michigan One Community Credit UnionCredit union Ionia, MI68 out of 100, Moderate$240.2M10.2%0.68%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs

Deposit insurance

Is my money safe at Isabella Community Credit Union?

Yes. Isabella Community Credit Union is a federally insured credit union (NCUA charter #61318). 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 0.7% of shares and deposits ($1.4M) 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 10.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Isabella Community Credit Union lists 5 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Isabella Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61318
RSSD ID
40994
Primary regulator
State + NCUA
Established
1958
Headquarters
PO Box 427, MT Pleasant, MI 48804
Employees
50

Quick answers

Isabella Community Credit Union: common questions

Is Isabella Community Credit Union NCUA insured?

Yes. Isabella Community Credit Union is a federally insured credit union (NCUA charter #61318). 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 Isabella Community Credit Union's TellerScore?

69 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 Isabella Community Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near MT Pleasant

InstitutionScoreAssetsCapitalProblem loansCompare
Montcalm Public Employees Credit UnionCredit union Edmore, MI84 out of 100, Strong$26.9M16.9%1.19%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs
River Valley Credit UnionCredit union Ada, MI74 out of 100, Strong$124.0M12.1%0.63%vs
Mercantile BankBank Grand Rapids, MI73 out of 100, Strong$6.2B11.6%0.10%vs
Graco Federal Credit UnionCredit union Alma, MI72 out of 100, Strong$38.2M9.7%0.58%vs
Gratiot Community Credit UnionCredit union Alma, MI71 out of 100, Strong$59.7M9.1%0.32%vs