TellerScore

Michigan Educational Credit Union is a federally insured state-chartered credit union headquartered in Plymouth, Michigan, in business for about 84 years. At the end of Q2 2026 it reported $1.1B in total assets and $987.0M in member shares and deposits, with 7 offices.

Michigan Educational Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 71st. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 5% uninsured); earnings contributes the least (40/100, 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.70%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity100/100
Loans ÷ shares: 48.9% · 4.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.06%

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 (74 → 75).

TellerScore
747575Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202475
Q1 202574
Q2 202574
Q3 202574
Q4 202575
Q1 202675
Q2 202675
Net worth ratio
7.00%9.53%12.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.91%
Q3 202412.06%
Q4 202411.94%
Q1 202511.65%
Q2 202511.58%
Q3 202511.73%
Q4 202511.67%
Q1 202611.54%
Q2 202611.70%
Delinquent loans (60+ days)
0.24%0.27%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.29%
Q4 20240.31%
Q1 20250.24%
Q2 20250.25%
Q3 20250.30%
Q4 20250.30%
Q1 20260.24%
Q2 20260.29%
Return on assets
0.25%0.37%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.31%
Q4 20240.35%
Q1 20250.25%
Q2 20250.33%
Q3 20250.38%
Q4 20250.43%
Q1 20260.41%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.1B11.70%0.29%0.49%48.9%
Q1 202675$1.1B11.54%0.24%0.41%48.8%
Q4 202575$1.1B11.67%0.30%0.43%49.9%
Q3 202574$1.1B11.73%0.30%0.38%51.3%
Q2 202574$1.1B11.58%0.25%0.33%50.1%
Q1 202574$1.1B11.65%0.24%0.25%50.3%
Q4 202475$1.0B11.94%0.31%0.35%52.3%
Q3 202475$1.0B12.06%0.29%0.31%54.3%
Q2 202475$1.0B11.91%0.26%0.30%53.8%

454 peers · $1 billion – $10 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 ratio11.70%
64th
Problem loans0.29%
91st
Net charge-offs0.16%
89th
Return on assets0.49%
21st
Loans to deposits48.9%
98th
Uninsured deposits4.8%
88th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
95th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Christian Financial Credit UnionCredit union Sterling Height, MI66 out of 100, Moderate$1.1B9.9%0.46%vs
Lafcu Credit UnionCredit union Lansing, MI72 out of 100, Strong$1.1B20.7%1.24%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
4front Credit UnionCredit union Traverse City, MI54 out of 100, Below average$1.0B10.2%1.73%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Wildfire Credit UnionCredit union Saginaw, MI70 out of 100, Strong$1.2B10.9%0.60%vs

Deposit insurance

Is my money safe at Michigan Educational Credit Union?

Yes. Michigan Educational Credit Union is a federally insured credit union (NCUA charter #60931). 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 4.8% of shares and deposits ($47.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.70%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Michigan Educational Credit Union lists 7 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Michigan Educational Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60931
RSSD ID
267090
Primary regulator
State + NCUA
Established
1942
Headquarters
9200 N Haggerty Road, Plymouth, MI 48170
Employees
93

Quick answers

Michigan Educational Credit Union: common questions

Is Michigan Educational Credit Union NCUA insured?

Yes. Michigan Educational Credit Union is a federally insured credit union (NCUA charter #60931). 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 Educational Credit Union's TellerScore?

75 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 Educational Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Plymouth

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs