TellerScore

Omni Community Credit Union (NCUA charter #60105) is based in Battle Creek, Michigan. Its Q2 2026 call report shows $662.0M in total assets and $553.8M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Omni Community Credit Union scores 90/100, which we describe as very strong. That is higher than 95% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 12th. Its strongest component is capital cushion (100/100; 16.32%), and its lowest is loan quality (75/100; 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.32%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity93/100
Loans ÷ shares: 66.9% · 8.2% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.03%

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 3 points (87 → 90), mostly because the earnings component improved by 9 points.

TellerScore
848891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202491
Q4 202484
Q1 202588
Q2 202587
Q3 202585
Q4 202586
Q1 202690
Q2 202690
Net worth ratio
7.00%11.89%16.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.43%
Q3 202416.59%
Q4 202416.41%
Q1 202516.21%
Q2 202516.39%
Q3 202516.78%
Q4 202516.28%
Q1 202616.10%
Q2 202616.32%
Delinquent loans (60+ days)
0.73%0.96%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20240.85%
Q4 20241.19%
Q1 20250.93%
Q2 20250.91%
Q3 20251.04%
Q4 20250.78%
Q1 20260.73%
Q2 20260.75%
Return on assets
1.15%1.56%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.97%
Q4 20241.52%
Q1 20251.66%
Q2 20251.47%
Q3 20251.51%
Q4 20251.33%
Q1 20261.64%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$662.0M16.32%0.75%1.71%66.9%
Q1 202690$652.6M16.10%0.73%1.64%66.3%
Q4 202586$629.0M16.28%0.78%1.33%68.8%
Q3 202585$607.0M16.78%1.04%1.51%69.2%
Q2 202587$606.8M16.39%0.91%1.47%67.4%
Q1 202588$601.5M16.21%0.93%1.66%66.6%
Q4 202484$578.8M16.41%1.19%1.52%70.2%
Q3 202491$576.9M16.59%0.85%1.97%69.2%
Q2 202485$587.6M15.43%0.83%1.15%66.4%

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 ratio16.32%
91st
Problem loans0.75%
46th
Net charge-offs0.88%
13th
Return on assets1.71%
93rd
Loans to deposits66.9%
67th
Uninsured deposits8.2%
27th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
61st

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
American 1 Credit UnionCredit union Jackson, MI65 out of 100, Moderate$661.3M15.6%2.07%vs
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs
Adventure Credit UnionCredit union Grand Rapids, MI67 out of 100, Moderate$645.9M11.5%0.73%vs
Embers Credit UnionCredit union Marquette, MI76 out of 100, Strong$621.8M12.1%0.64%vs
Northland Area Federal Credit UnionCredit union Alpena, MI65 out of 100, Moderate$714.4M10.3%0.88%vs
Alliance Catholic Credit UnionCredit union Farmington Hill, MI78 out of 100, Strong$718.5M12.4%0.36%vs

Deposit insurance

Is my money safe at Omni Community Credit Union?

Yes. Omni Community Credit Union is a federally insured credit union (NCUA charter #60105). 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 8.2% of shares and deposits ($45.5M) 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 16.32%, well 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

Omni Community Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Omni Community Credit Union reported 0 home-loan applications under HMDA (LEI 254900W66Q12I4MV8X83): 0 originated ($0 total), 0 denied, and 0 withdrawn or closed by the applicant.

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
Omni Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60105
RSSD ID
554099
Primary regulator
State + NCUA
Established
1952
Headquarters
PO Box 1537, Battle Creek, MI 49016
Employees
158

Quick answers

Omni Community Credit Union: common questions

Is Omni Community Credit Union NCUA insured?

Yes. Omni Community Credit Union is a federally insured credit union (NCUA charter #60105). 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 Omni Community Credit Union's TellerScore?

90 out of 100 (Very 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 Omni Community Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Battle Creek

InstitutionScoreAssetsCapitalProblem loansCompare
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI86 out of 100, Very strong$39.7M20.6%0.72%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
Kalamazoo County State BankBank Schoolcraft, MI77 out of 100, Strong$118.4M12.1%0.33%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs