Headquartered in Livonia, Michigan, Michigan Columbus Federal Credit Union is a federal credit union with $75.0M in total assets and $62.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1947.
Michigan Columbus Federal Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 37th. Capital cushion contributes the most (100/100, 16.57%); earnings contributes the least (52/100, 0.80%).
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 9 points (91 → 82), mostly because the earnings component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 69 |
| Q4 2024 | 83 |
| Q1 2025 | 86 |
| Q2 2025 | 91 |
| Q3 2025 | 76 |
| Q4 2025 | 83 |
| Q1 2026 | 84 |
| Q2 2026 | 82 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.99% |
| Q3 2024 | 12.61% |
| Q4 2024 | 13.22% |
| Q1 2025 | 14.46% |
| Q2 2025 | 15.09% |
| Q3 2025 | 15.70% |
| Q4 2025 | 15.99% |
| Q1 2026 | 16.35% |
| Q2 2026 | 16.57% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 1.82% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.70% |
| Q3 2025 | 1.83% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.87% |
| Q2 2026 | 1.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.03% |
| Q1 2026 | 2.69% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $75.0M | 16.57% | 1.01% | 0.80% | 42.3% |
| Q1 2026 | 84 | $75.3M | 16.35% | 1.87% | 2.69% | 42.7% |
| Q4 2025 | 83 | $73.8M | 15.99% | 0.98% | 1.03% | 44.6% |
| Q3 2025 | 76 | $73.0M | 15.70% | 1.83% | 1.02% | 46.3% |
| Q2 2025 | 91 | $75.4M | 15.09% | 0.70% | 1.68% | 45.5% |
| Q1 2025 | 86 | $76.0M | 14.46% | 0.72% | 1.24% | 45.5% |
| Q4 2024 | 83 | $74.6M | 13.22% | 0.51% | 1.11% | 46.5% |
| Q3 2024 | 69 | $76.6M | 12.61% | 1.82% | 1.08% | 45.3% |
| Q2 2024 | 82 | $79.0M | 11.99% | 0.23% | 1.11% | 42.9% |
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 |
|---|---|---|---|---|---|
| Intandem Credit UnionCredit union Grand Rapids, MI | 76 out of 100, Strong | $75.8M | 11.9% | 0.41% | vs |
| Thornapple Credit UnionCredit union Hastings, MI | 68 out of 100, Moderate | $79.2M | 9.8% | 0.59% | vs |
| Tahquamenon Area Credit UnionCredit union Newberry, MI | 70 out of 100, Strong | $69.6M | 11.8% | 0.60% | vs |
| Muskegon Federal Credit UnionCredit union Muskegon, MI | 75 out of 100, Strong | $80.8M | 11.0% | 0.18% | vs |
| Lake Huron Credit UnionCredit union Saginaw, MI | 74 out of 100, Strong | $81.5M | 14.8% | 1.25% | vs |
| Community Focus Federal Credit UnionCredit union Brownstown, MI | 67 out of 100, Moderate | $68.0M | 14.1% | 1.52% | vs |
Deposit insurance
Is my money safe at Michigan Columbus Federal Credit Union?
Yes. Michigan Columbus Federal Credit Union is a federally insured credit union (NCUA charter #5554). 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 3.9% of shares and deposits ($2.4M) 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 16.57%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Michigan Columbus Federal Credit Union lists 2 offices in 1 city. Most locations:
- Livonia, MI (2)
HMDA 2025
Mortgage lending
In 2025, Michigan Columbus Federal Credit Union reported 23 home-loan applications under HMDA (LEI 549300Y4GTNURUFYV328): 21 originated ($1,315,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- Michigan Columbus Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5554
- RSSD ID
- 559674
- Primary regulator
- NCUA
- Established
- 1947
- Headquarters
- 30419 6 Mile Rd, Livonia, MI 48152
- Employees
- 17
Quick answers
Michigan Columbus Federal Credit Union: common questions
Is Michigan Columbus Federal Credit Union NCUA insured?
Yes. Michigan Columbus Federal Credit Union is a federally insured credit union (NCUA charter #5554). 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 Michigan Columbus Federal Credit Union's TellerScore?
82 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 Michigan Columbus Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Livonia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |