TellerScore

Headquartered in Auburn Hills, Michigan, Parda Federal Credit Union is a federal credit union with $217.4M in total assets and $189.9M in member shares and deposits as of Q2 2026. It operates 6 offices across 3 states. Its charter dates back to 1974.

Parda Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 73rd. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 9% uninsured); earnings contributes the least (31/100, 0.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.68%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings31/100
Return on assets (annualized): 0.27%
Funding & liquidity99/100
Loans ÷ shares: 61.0% · 9.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.91%

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
747780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202475
Q1 202574
Q2 202574
Q3 202580
Q4 202579
Q1 202677
Q2 202675
Net worth ratio
7.00%10.50%13.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.07%
Q3 202413.48%
Q4 202413.72%
Q1 202513.19%
Q2 202513.52%
Q3 202513.81%
Q4 202513.99%
Q1 202613.63%
Q2 202613.68%
Delinquent loans (60+ days)
0.37%0.65%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.78%
Q4 20240.88%
Q1 20250.71%
Q2 20250.94%
Q3 20250.37%
Q4 20250.57%
Q1 20260.43%
Q2 20260.75%
Return on assets
0.15%0.32%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.27%
Q4 20240.37%
Q1 20250.25%
Q2 20250.36%
Q3 20250.39%
Q4 20250.48%
Q1 20260.17%
Q2 20260.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$217.4M13.68%0.75%0.27%61.0%
Q1 202677$216.8M13.63%0.43%0.17%60.2%
Q4 202579$210.5M13.99%0.57%0.48%61.9%
Q3 202580$210.3M13.81%0.37%0.39%60.2%
Q2 202574$213.1M13.52%0.94%0.36%59.1%
Q1 202574$216.5M13.19%0.71%0.25%57.4%
Q4 202475$207.2M13.72%0.88%0.37%60.4%
Q3 202475$208.3M13.48%0.78%0.27%60.3%
Q2 202474$212.8M13.07%0.57%0.15%58.8%

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 ratio13.68%
76th
Problem loans0.75%
45th
Net charge-offs0.52%
34th
Return on assets0.27%
15th
Loans to deposits61.0%
76th
Uninsured deposits9.1%
22nd
Loan-loss reserves0.00%
50th
Texas ratio2.9%
63rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Isabella Community Credit UnionCredit union MT Pleasant, MI69 out of 100, Moderate$222.2M10.1%1.14%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Michigan Legacy Credit UnionCredit union Wyandotte, MI75 out of 100, Strong$226.8M12.4%0.46%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs

Deposit insurance

Is my money safe at Parda Federal Credit Union?

Yes. Parda Federal Credit Union is a federally insured credit union (NCUA charter #21686). 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 9.1% of shares and deposits ($17.2M) 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 13.68%, 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

Parda Federal Credit Union lists 6 offices in 5 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Parda Federal Credit Union reported 80 home-loan applications under HMDA (LEI 549300L6BONVKN6UXC26): 54 originated ($5,590,000 total), 14 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, 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
Parda Federal Credit Union
Type
Federal credit union
NCUA charter #
21686
RSSD ID
162382
Primary regulator
NCUA
Established
1974
Headquarters
2601 Cambridge Ct Ste 210, Auburn Hills, MI 48326
Employees
62

Quick answers

Parda Federal Credit Union: common questions

Is Parda Federal Credit Union NCUA insured?

Yes. Parda Federal Credit Union is a federally insured credit union (NCUA charter #21686). 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 Parda Federal 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 Parda Federal Credit Union have?

6 offices as of the latest NCUA data, in 3 states.