TellerScore

Peninsula Federal Credit Union is a federal credit union headquartered in Escanaba, Michigan, in business for about 85 years. At the end of Q2 2026 it reported $355.7M in total assets and $321.0M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Peninsula Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 156th. Its strongest component is problem-loan coverage (83/100; 8.6%), and its lowest is capital cushion (40/100; 9.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.03%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity69/100
Loans ÷ shares: 91.2% · 7.7% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.61%

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 fell 3 points (61 → 58), mostly because the loan quality component weakened by 17 points.

TellerScore
505662Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202452
Q4 202453
Q1 202562
Q2 202561
Q3 202560
Q4 202558
Q1 202659
Q2 202658
Net worth ratio
7.00%8.01%9.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.56%
Q3 20248.54%
Q4 20248.53%
Q1 20258.55%
Q2 20258.61%
Q3 20258.72%
Q4 20258.87%
Q1 20268.85%
Q2 20269.03%
Delinquent loans (60+ days)
0.42%0.76%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.10%
Q3 20240.91%
Q4 20240.87%
Q1 20250.50%
Q2 20250.42%
Q3 20250.69%
Q4 20251.00%
Q1 20260.82%
Q2 20260.94%
Return on assets
0.15%0.51%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.19%
Q4 20240.22%
Q1 20250.87%
Q2 20250.61%
Q3 20250.74%
Q4 20250.79%
Q1 20260.76%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$355.7M9.03%0.94%0.73%91.2%
Q1 202659$358.8M8.85%0.82%0.76%86.9%
Q4 202558$352.5M8.87%1.00%0.79%89.5%
Q3 202560$349.0M8.72%0.69%0.74%90.4%
Q2 202561$335.0M8.61%0.42%0.61%90.0%
Q1 202562$334.2M8.55%0.50%0.87%87.2%
Q4 202453$328.9M8.53%0.87%0.22%88.2%
Q3 202452$325.6M8.54%0.91%0.19%88.2%
Q2 202450$322.1M8.56%1.10%0.15%87.1%

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 ratio9.03%
14th
Problem loans0.94%
33rd
Net charge-offs0.63%
24th
Return on assets0.73%
50th
Loans to deposits91.2%
14th
Uninsured deposits7.7%
33rd
Loan-loss reserves0.00%
50th
Texas ratio8.6%
18th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
United Financial Credit UnionCredit union Saginaw, MI68 out of 100, Moderate$360.1M10.7%1.03%vs
Freestar Financial Credit UnionCredit union Mount Clemens, MI59 out of 100, Moderate$350.0M9.6%1.17%vs
Michigan United Credit UnionCredit union Auburn Hills, MI76 out of 100, Strong$349.3M12.0%0.10%vs
Extra Credit UnionCredit union Warren, MI79 out of 100, Strong$345.4M17.5%1.56%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
Our Credit UnionCredit union Royal Oak, MI68 out of 100, Moderate$375.1M10.0%0.48%vs

Deposit insurance

Is my money safe at Peninsula Federal Credit Union?

Yes. Peninsula Federal Credit Union is a federally insured credit union (NCUA charter #4291). 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 7.7% of shares and deposits ($24.6M) 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 9.03%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Peninsula Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Peninsula Federal Credit Union
Type
Federal credit union
NCUA charter #
4291
RSSD ID
49371
Primary regulator
NCUA
Established
1941
Headquarters
2929 3rd Ave N, Escanaba, MI 49829
Employees
86

Quick answers

Peninsula Federal Credit Union: common questions

Is Peninsula Federal Credit Union NCUA insured?

Yes. Peninsula Federal Credit Union is a federally insured credit union (NCUA charter #4291). 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 Peninsula Federal Credit Union's TellerScore?

58 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 Peninsula Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Escanaba

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs
Great Lakes First Federal Credit UnionCredit union Escanaba, MI66 out of 100, Moderate$105.4M10.3%1.15%vs
Northern Interstate Bank, N. A.Bank Norway, MI65 out of 100, Moderate$193.5M9.4%0.75%vs
Nicolet National BankBank Green Bay, WI64 out of 100, Moderate$15.4B9.6%0.63%vs