Headquartered in Manistique, Michigan, Limestone Financial Credit Union is a federally insured state-chartered credit union with $83.1M in total assets and $73.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1954.
Based on its Q2 2026 filing, Limestone Financial Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 137th. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is earnings (40/100; 0.51%).
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.
6 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (68 → 65), mostly because the earnings component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q1 2025 | 65 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q1 2025 | 10.46% |
| Q2 2025 | 10.77% |
| Q3 2025 | 10.90% |
| Q4 2025 | 10.87% |
| Q1 2026 | 10.84% |
| Q2 2026 | 10.73% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q1 2025 | 0.70% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.55% |
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| Quarter | Return on assets |
|---|---|
| Q1 2025 | 0.75% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $83.1M | 10.73% | 0.55% | 0.51% | 89.4% |
| Q1 2026 | 65 | $81.1M | 10.84% | 0.64% | 0.44% | 88.2% |
| Q4 2025 | 67 | $80.0M | 10.87% | 0.80% | 0.90% | 89.4% |
| Q3 2025 | 67 | $78.3M | 10.90% | 0.77% | 0.92% | 92.6% |
| Q2 2025 | 68 | $77.4M | 10.77% | 0.63% | 0.90% | 92.5% |
| Q1 2025 | 65 | $77.7M | 10.46% | 0.70% | 0.75% | 88.9% |
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $84.6M | 14.2% | 0.56% | vs |
| Lake Huron Credit UnionCredit union Saginaw, MI | 74 out of 100, Strong | $81.5M | 14.8% | 1.25% | vs |
| Shore to Shore Community Federal Credit UnionCredit union Trenton, MI | 81 out of 100, Strong | $85.1M | 12.0% | 0.73% | vs |
| Muskegon Federal Credit UnionCredit union Muskegon, MI | 75 out of 100, Strong | $80.8M | 11.0% | 0.18% | vs |
| Thornapple Credit UnionCredit union Hastings, MI | 68 out of 100, Moderate | $79.2M | 9.8% | 0.59% | vs |
| Wexford Community Credit UnionCredit union Cadillac, MI | 54 out of 100, Below average | $88.8M | 8.6% | 0.81% | vs |
Deposit insurance
Is my money safe at Limestone Financial Credit Union?
Yes. Limestone Financial Credit Union is a federally insured credit union (NCUA charter #68743). 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 5.2% of shares and deposits ($3.8M) 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 10.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Limestone Financial Credit Union lists 3 offices in 2 cities. Most locations:
- Manistique, MI (2)
- Sault Sainte Marie, MI (1)
Identity & history
Profile
- Legal name
- Limestone Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68743
- RSSD ID
- 695189
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 131 River St, Manistique, MI 49854
- Employees
- 25
Quick answers
Limestone Financial Credit Union: common questions
Is Limestone Financial Credit Union NCUA insured?
Yes. Limestone Financial Credit Union is a federally insured credit union (NCUA charter #68743). 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 Limestone Financial Credit Union's TellerScore?
65 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 Limestone Financial Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Manistique
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Manistique Federal Credit UnionCredit union Manistique, MI | 79 out of 100, Strong | $44.2M | 15.8% | 1.92% | vs |
| The State Savings Bank of ManistiqueBank Manistique, MI | 66 out of 100, Moderate | $178.2M | 9.6% | 0.70% | vs |
| Nicolet National BankBank Green Bay, WI | 64 out of 100, Moderate | $15.4B | 9.6% | 0.63% | vs |