TellerScore

Marshall Community Credit Union is a federally insured state-chartered credit union headquartered in Marshall, Michigan, in business for about 75 years. At the end of Q2 2026 it reported $371.8M in total assets and $304.2M in member shares and deposits, with 3 offices.

Marshall Community Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 53rd. Capital cushion contributes the most (100/100, 17.17%); loan quality contributes the least (31/100, 2.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.17%
Loan quality31/100
Loans 60+ days delinquent ÷ total loans: 2.08%
Earnings100/100
Return on assets (annualized): 2.10%
Funding & liquidity81/100
Loans ÷ shares: 78.8% · 13.8% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.82%

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 rose 4 points (74 → 78), mostly because the earnings component improved by 28 points.

TellerScore
747984Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202475
Q1 202580
Q2 202574
Q3 202578
Q4 202576
Q1 202684
Q2 202678
Net worth ratio
7.00%12.09%17.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.41%
Q3 202416.88%
Q4 202416.69%
Q1 202516.31%
Q2 202516.41%
Q3 202516.94%
Q4 202516.58%
Q1 202616.67%
Q2 202617.17%
Delinquent loans (60+ days)
1.23%1.66%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.67%
Q3 20241.52%
Q4 20241.75%
Q1 20251.27%
Q2 20251.85%
Q3 20251.69%
Q4 20251.70%
Q1 20261.23%
Q2 20262.08%
Return on assets
1.30%1.70%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.52%
Q4 20241.32%
Q1 20251.33%
Q2 20251.30%
Q3 20251.64%
Q4 20251.40%
Q1 20261.79%
Q2 20262.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$371.8M17.17%2.08%2.10%78.8%
Q1 202684$369.6M16.67%1.23%1.79%78.3%
Q4 202576$361.5M16.58%1.70%1.40%80.7%
Q3 202578$351.2M16.94%1.69%1.64%82.5%
Q2 202574$350.2M16.41%1.85%1.30%81.7%
Q1 202580$345.5M16.31%1.27%1.33%82.9%
Q4 202475$330.7M16.69%1.75%1.32%86.9%
Q3 202478$324.7M16.88%1.52%1.52%87.6%
Q2 202478$327.6M16.41%1.67%1.61%85.3%

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 ratio17.17%
93rd
Problem loans2.08%
6th
Net charge-offs0.39%
46th
Return on assets2.10%
98th
Loans to deposits78.8%
43rd
Uninsured deposits13.8%
6th
Loan-loss reserves0.00%
50th
Texas ratio7.8%
22nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Our Credit UnionCredit union Royal Oak, MI68 out of 100, Moderate$375.1M10.0%0.48%vs
Ignite Credit UnionCredit union Battle Creek, MI55 out of 100, Moderate$379.9M10.1%1.08%vs
United Financial Credit UnionCredit union Saginaw, MI68 out of 100, Moderate$360.1M10.7%1.03%vs
Peninsula Federal Credit UnionCredit union Escanaba, MI58 out of 100, Moderate$355.7M9.0%0.94%vs
Tba Credit UnionCredit union Traverse City, MI86 out of 100, Very strong$389.9M14.8%0.42%vs
Freestar Financial Credit UnionCredit union Mount Clemens, MI59 out of 100, Moderate$350.0M9.6%1.17%vs

Deposit insurance

Is my money safe at Marshall Community Credit Union?

Yes. Marshall Community Credit Union is a federally insured credit union (NCUA charter #62160). 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 13.8% of shares and deposits ($41.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Marshall Community Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Marshall Community Credit Union reported 340 home-loan applications under HMDA (LEI 5493004R1ELTGT9LUL33): 324 originated ($52,490,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Marshall Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62160
RSSD ID
892894
Primary regulator
State + NCUA
Established
1951
Headquarters
839 W Green St, Marshall, MI 49068
Employees
76

Quick answers

Marshall Community Credit Union: common questions

Is Marshall Community Credit Union NCUA insured?

Yes. Marshall Community Credit Union is a federally insured credit union (NCUA charter #62160). 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 Marshall Community Credit Union's TellerScore?

78 out of 100 (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 Marshall Community Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Marshall

InstitutionScoreAssetsCapitalProblem loansCompare
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI86 out of 100, Very strong$39.7M20.6%0.72%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Lafcu Credit UnionCredit union Lansing, MI72 out of 100, Strong$1.1B20.7%1.24%vs
Eaton Community BankBank Charlotte, MI71 out of 100, Strong$543.5M12.9%1.23%vs