TellerScore

Our Credit Union (NCUA charter #62028) is based in Royal Oak, Michigan. Its Q2 2026 call report shows $375.1M in total assets and $347.3M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Our Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 110th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is earnings (45/100; 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.98%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity91/100
Loans ÷ shares: 68.9% · 4.4% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.26%

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 (67 → 68).

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202462
Q1 202567
Q2 202567
Q3 202568
Q4 202568
Q1 202668
Q2 202668
Net worth ratio
7.00%8.54%10.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.05%
Q3 20249.31%
Q4 20249.45%
Q1 20259.53%
Q2 20259.71%
Q3 202510.07%
Q4 202510.06%
Q1 20269.94%
Q2 20269.98%
Delinquent loans (60+ days)
0.45%0.63%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.76%
Q3 20240.81%
Q4 20240.80%
Q1 20250.50%
Q2 20250.62%
Q3 20250.62%
Q4 20250.56%
Q1 20260.45%
Q2 20260.48%
Return on assets
0.27%0.48%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.33%
Q4 20240.35%
Q1 20250.58%
Q2 20250.65%
Q3 20250.68%
Q4 20250.68%
Q1 20260.53%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$375.1M9.98%0.48%0.63%68.9%
Q1 202668$369.8M9.94%0.45%0.53%65.8%
Q4 202568$360.4M10.06%0.56%0.68%66.6%
Q3 202568$353.7M10.07%0.62%0.68%67.3%
Q2 202567$360.4M9.71%0.62%0.65%65.0%
Q1 202567$360.3M9.53%0.50%0.58%60.0%
Q4 202462$357.8M9.45%0.80%0.35%61.9%
Q3 202461$358.9M9.31%0.81%0.33%62.5%
Q2 202461$365.1M9.05%0.76%0.27%61.2%

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 ratio9.98%
28th
Problem loans0.48%
66th
Net charge-offs0.39%
46th
Return on assets0.63%
41st
Loans to deposits68.9%
63rd
Uninsured deposits4.4%
66th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
Ignite Credit UnionCredit union Battle Creek, MI55 out of 100, Moderate$379.9M10.1%1.08%vs
Tba Credit UnionCredit union Traverse City, MI86 out of 100, Very strong$389.9M14.8%0.42%vs
United Financial Credit UnionCredit union Saginaw, MI68 out of 100, Moderate$360.1M10.7%1.03%vs
Peninsula Federal Credit UnionCredit union Escanaba, MI58 out of 100, Moderate$355.7M9.0%0.94%vs
Case Credit UnionCredit union Lansing, MI62 out of 100, Moderate$400.1M11.0%0.85%vs

Deposit insurance

Is my money safe at Our Credit Union?

Yes. Our Credit Union is a federally insured credit union (NCUA charter #62028). 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 4.4% of shares and deposits ($15.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Our Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Our Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62028
RSSD ID
823795
Primary regulator
State + NCUA
Established
1959
Headquarters
3070 Normandy Rd, Royal Oak, MI 48073
Employees
86

Quick answers

Our Credit Union: common questions

Is Our Credit Union NCUA insured?

Yes. Our Credit Union is a federally insured credit union (NCUA charter #62028). 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 Our Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Our Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs