Headquartered in Edmore, Michigan, Montcalm Public Employees Credit Union is a federally insured state-chartered credit union with $26.9M in total assets and $22.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1966.
Based on its Q2 2026 filing, Montcalm Public Employees Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 30th. Its strongest component is capital cushion (100/100; 16.88%), and its lowest is loan quality (60/100; 1.19%).
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 rose 11 points (73 → 84), mostly because the loan quality component improved by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 77 |
| Q4 2024 | 70 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.96% |
| Q3 2024 | 16.41% |
| Q4 2024 | 16.92% |
| Q1 2025 | 16.77% |
| Q2 2025 | 16.95% |
| Q3 2025 | 16.90% |
| Q4 2025 | 16.82% |
| Q1 2026 | 16.44% |
| Q2 2026 | 16.88% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 2.04% |
| Q4 2024 | 2.82% |
| Q1 2025 | 2.41% |
| Q2 2025 | 2.48% |
| Q3 2025 | 2.02% |
| Q4 2025 | 2.12% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.19% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.33% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.27% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $26.9M | 16.88% | 1.19% | 1.30% | 31.5% |
| Q1 2026 | 83 | $27.1M | 16.44% | 1.38% | 1.37% | 31.8% |
| Q4 2025 | 73 | $25.9M | 16.82% | 2.12% | 0.97% | 33.7% |
| Q3 2025 | 73 | $25.1M | 16.90% | 2.02% | 0.84% | 35.7% |
| Q2 2025 | 73 | $25.0M | 16.95% | 2.48% | 1.27% | 36.7% |
| Q1 2025 | 73 | $24.8M | 16.77% | 2.41% | 1.18% | 36.1% |
| Q4 2024 | 70 | $24.1M | 16.92% | 2.82% | 1.33% | 38.8% |
| Q3 2024 | 77 | $24.5M | 16.41% | 2.04% | 1.36% | 37.5% |
| Q2 2024 | 89 | $24.6M | 15.96% | 0.65% | 1.33% | 38.2% |
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 |
|---|---|---|---|---|---|
| Farm Bureau Family Credit UnionCredit union Lansing, MI | 81 out of 100, Strong | $26.6M | 12.5% | 0.64% | vs |
| Construction Federal Credit UnionCredit union Bingham Farms, MI | 51 out of 100, Below average | $26.4M | 13.6% | 5.71% | vs |
| Dowagiac Area Federal Credit UnionCredit union Dowagiac, MI | 80 out of 100, Strong | $26.0M | 11.1% | 0.49% | vs |
| Michigan Coastal Credit UnionCredit union Muskegon, MI | 33 out of 100, Low | $25.7M | 8.7% | 4.04% | vs |
| Northwest Consumers Federal Credit UnionCredit union Traverse City, MI | 77 out of 100, Strong | $25.1M | 19.5% | 1.88% | vs |
| Kenowa Community Federal Credit UnionCredit union Wyoming, MI | 85 out of 100, Very strong | $30.4M | 16.1% | 0.22% | vs |
Deposit insurance
Is my money safe at Montcalm Public Employees Credit Union?
Yes. Montcalm Public Employees Credit Union is a federally insured credit union (NCUA charter #61999). 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 9.4% of shares and deposits ($2.1M) 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 16.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Montcalm Public Employees Credit Union lists 1 office in 1 city. Most locations:
- Edmore, MI (1)
Identity & history
Profile
- Legal name
- Montcalm Public Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61999
- RSSD ID
- 738899
- Primary regulator
- State + NCUA
- Established
- 1966
- Headquarters
- Po Box 469, Edmore, MI 48829
- Employees
- 5
Quick answers
Montcalm Public Employees Credit Union: common questions
Is Montcalm Public Employees Credit Union NCUA insured?
Yes. Montcalm Public Employees Credit Union is a federally insured credit union (NCUA charter #61999). 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 Montcalm Public Employees Credit Union's TellerScore?
84 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 Montcalm Public Employees Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Edmore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sidney State BankBank Sidney, MI | 80 out of 100, Strong | $138.7M | 9.6% | 0.06% | vs |
| Commercial BankBank Ithaca, MI | 75 out of 100, Strong | $552.7M | 10.9% | 0.39% | vs |
| River Valley Credit UnionCredit union Ada, MI | 74 out of 100, Strong | $124.0M | 12.1% | 0.63% | vs |
| Mercantile BankBank Grand Rapids, MI | 73 out of 100, Strong | $6.2B | 11.6% | 0.10% | vs |
| Graco Federal Credit UnionCredit union Alma, MI | 72 out of 100, Strong | $38.2M | 9.7% | 0.58% | vs |
| Gratiot Community Credit UnionCredit union Alma, MI | 71 out of 100, Strong | $59.7M | 9.1% | 0.32% | vs |