TellerScore

Pfcu Credit Union is a federally insured state-chartered credit union headquartered in Portland, Michigan, in business for about 79 years. At the end of Q2 2026 it reported $873.2M in total assets and $770.3M in member shares and deposits, with 13 offices.

Pfcu Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 59th. Problem-loan coverage contributes the most (96/100, 2.1%); capital cushion contributes the least (63/100, 11.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.29%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity87/100
Loans ÷ shares: 73.2% · 4.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.12%

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 7 points (70 → 77), mostly because the earnings component improved by 24 points.

TellerScore
687377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202469
Q1 202570
Q2 202570
Q3 202572
Q4 202572
Q1 202674
Q2 202677
Net worth ratio
7.00%9.14%11.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.34%
Q3 202410.66%
Q4 202410.61%
Q1 202510.57%
Q2 202510.81%
Q3 202511.17%
Q4 202511.20%
Q1 202611.12%
Q2 202611.29%
Delinquent loans (60+ days)
0.33%0.47%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.50%
Q4 20240.60%
Q1 20250.51%
Q2 20250.46%
Q3 20250.53%
Q4 20250.59%
Q1 20260.33%
Q2 20260.37%
Return on assets
0.39%0.77%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.56%
Q4 20240.65%
Q1 20250.61%
Q2 20250.54%
Q3 20250.79%
Q4 20250.90%
Q1 20260.91%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$873.2M11.29%0.37%1.15%73.2%
Q1 202674$858.9M11.12%0.33%0.91%72.9%
Q4 202572$834.9M11.20%0.59%0.90%75.0%
Q3 202572$819.9M11.17%0.53%0.79%74.5%
Q2 202570$822.1M10.81%0.46%0.54%71.9%
Q1 202570$832.5M10.57%0.51%0.61%68.7%
Q4 202469$817.1M10.61%0.60%0.65%68.7%
Q3 202469$800.8M10.66%0.50%0.56%70.1%
Q2 202468$808.7M10.34%0.43%0.39%69.3%

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 ratio11.29%
48th
Problem loans0.37%
77th
Net charge-offs0.44%
41st
Return on assets1.15%
75th
Loans to deposits73.2%
55th
Uninsured deposits4.7%
64th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
74th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Arbor Financial Credit UnionCredit union Kalamazoo, MI55 out of 100, Moderate$899.0M10.6%1.81%vs
Members First Credit UnionCredit union Midland, MI63 out of 100, Moderate$905.4M9.2%0.65%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
True Community Credit UnionCredit union Jackson, MI63 out of 100, Moderate$955.0M11.6%1.59%vs
Alpena-Alcona Area Credit UnionCredit union Alpena, MI77 out of 100, Strong$975.7M12.2%0.85%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs

Deposit insurance

Is my money safe at Pfcu Credit Union?

Yes. Pfcu Credit Union is a federally insured credit union (NCUA charter #68690). 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 4.7% of shares and deposits ($35.9M) 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 11.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Pfcu Credit Union lists 13 offices in 12 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pfcu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68690
RSSD ID
607472
Primary regulator
State + NCUA
Established
1947
Headquarters
9077 Charlotte Hwy, Portland, MI 48875
Employees
190

Quick answers

Pfcu Credit Union: common questions

Is Pfcu Credit Union NCUA insured?

Yes. Pfcu Credit Union is a federally insured credit union (NCUA charter #68690). 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 Pfcu Credit Union's TellerScore?

77 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 Pfcu Credit Union have?

13 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Portland

InstitutionScoreAssetsCapitalProblem loansCompare
Auto-Owners Associates Credit UnionCredit union Lansing, MI96 out of 100, Very strong$43.8M18.6%0.25%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs
Farm Bureau Family Credit UnionCredit union Lansing, MI81 out of 100, Strong$26.6M12.5%0.64%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Capitol National BankBank Lansing, MI75 out of 100, Strong$209.3M16.7%1.49%vs