TellerScore

Headquartered in Monroe, Michigan, Monroe Community Credit Union is a federally insured state-chartered credit union with $406.4M in total assets and $355.2M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, Monroe Community Credit Union scores 80/100, which we describe as strong. That is higher than 78% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 44th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (64/100; 11.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.43%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity82/100
Loans ÷ shares: 77.8% · 2.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.18%

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 (76 → 80), mostly because the capital cushion component improved by 11 points.

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202475
Q4 202476
Q1 202574
Q2 202576
Q3 202578
Q4 202581
Q1 202680
Q2 202680
Net worth ratio
7.00%9.21%11.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.78%
Q3 202410.04%
Q4 202410.29%
Q1 202510.05%
Q2 202510.25%
Q3 202510.79%
Q4 202511.05%
Q1 202611.10%
Q2 202611.43%
Delinquent loans (60+ days)
0.18%0.22%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.21%
Q4 20240.23%
Q1 20250.26%
Q2 20250.24%
Q3 20250.21%
Q4 20250.18%
Q1 20260.18%
Q2 20260.20%
Return on assets
1.03%1.27%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.20%
Q4 20241.25%
Q1 20251.03%
Q2 20251.24%
Q3 20251.38%
Q4 20251.51%
Q1 20261.44%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$406.4M11.43%0.20%1.48%77.8%
Q1 202680$404.4M11.10%0.18%1.44%73.6%
Q4 202581$393.1M11.05%0.18%1.51%74.3%
Q3 202578$385.1M10.79%0.21%1.38%73.8%
Q2 202576$390.1M10.25%0.24%1.24%70.5%
Q1 202574$383.7M10.05%0.26%1.03%69.6%
Q4 202476$365.2M10.29%0.23%1.25%73.1%
Q3 202475$361.5M10.04%0.21%1.20%73.7%
Q2 202473$358.8M9.78%0.24%1.13%71.9%

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 ratio11.43%
50th
Problem loans0.20%
90th
Net charge-offs0.11%
83rd
Return on assets1.48%
88th
Loans to deposits77.8%
45th
Uninsured deposits2.9%
82nd
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Case Credit UnionCredit union Lansing, MI62 out of 100, Moderate$400.1M11.0%0.85%vs
Tba Credit UnionCredit union Traverse City, MI86 out of 100, Very strong$389.9M14.8%0.42%vs
Ignite Credit UnionCredit union Battle Creek, MI55 out of 100, Moderate$379.9M10.1%1.08%vs
Our Credit UnionCredit union Royal Oak, MI68 out of 100, Moderate$375.1M10.0%0.48%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
United Financial Credit UnionCredit union Saginaw, MI68 out of 100, Moderate$360.1M10.7%1.03%vs

Deposit insurance

Is my money safe at Monroe Community Credit Union?

Yes. Monroe Community Credit Union is a federally insured credit union (NCUA charter #61748). 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 2.9% of shares and deposits ($10.4M) 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 11.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Monroe Community Credit Union lists 6 offices in 5 cities. Most locations:

  • Monroe, MI (2)
  • Dundee, MI (1)
  • Maybee, MI (1)
  • Newport, MI (1)
  • Temperance, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Monroe Community Credit Union reported 217 home-loan applications under HMDA (LEI 549300UNNQFHOGHIFO55): 180 originated ($13,640,000 total), 16 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, 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
Monroe Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61748
RSSD ID
38094
Primary regulator
State + NCUA
Established
1954
Headquarters
715 N Telegraph Rd, Monroe, MI 48162
Employees
75

Quick answers

Monroe Community Credit Union: common questions

Is Monroe Community Credit Union NCUA insured?

Yes. Monroe Community Credit Union is a federally insured credit union (NCUA charter #61748). 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 Monroe Community Credit Union's TellerScore?

80 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 Monroe Community Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Monroe

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs