TellerScore

Headquartered in Troy, Michigan, Polish-American Federal Credit Union is a federal credit union with $195.1M in total assets and $169.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1976.

Based on its Q2 2026 filing, Polish-American Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 90th. Its strongest component is funding & liquidity (85/100; 76% loans-to-deposits, 6% uninsured), and its lowest is loan quality (54/100; 1.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.79%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.37%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity85/100
Loans ÷ shares: 75.6% · 5.8% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.64%

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 (69 → 72), mostly because the loan quality component improved by 7 points.

TellerScore
647280Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202475
Q4 202474
Q1 202574
Q2 202569
Q3 202566
Q4 202564
Q1 202669
Q2 202672
Net worth ratio
7.00%10.06%13.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.43%
Q3 202412.69%
Q4 202412.53%
Q1 202512.59%
Q2 202512.77%
Q3 202513.12%
Q4 202513.01%
Q1 202612.95%
Q2 202612.79%
Delinquent loans (60+ days)
0.54%1.36%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20241.02%
Q4 20240.98%
Q1 20250.78%
Q2 20251.60%
Q3 20251.91%
Q4 20252.17%
Q1 20261.88%
Q2 20261.37%
Return on assets
0.89%1.16%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.31%
Q4 20241.21%
Q1 20250.89%
Q2 20251.09%
Q3 20251.17%
Q4 20251.20%
Q1 20261.35%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$195.1M12.79%1.37%1.23%75.6%
Q1 202669$188.2M12.95%1.88%1.35%76.5%
Q4 202564$182.6M13.01%2.17%1.20%78.8%
Q3 202566$176.1M13.12%1.91%1.17%81.9%
Q2 202569$176.4M12.77%1.60%1.09%78.3%
Q1 202574$174.3M12.59%0.78%0.89%76.8%
Q4 202474$172.1M12.53%0.98%1.21%76.6%
Q3 202475$166.4M12.69%1.02%1.31%78.9%
Q2 202480$166.3M12.43%0.54%1.43%75.5%

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 ratio12.79%
68th
Problem loans1.37%
17th
Net charge-offs0.01%
97th
Return on assets1.23%
79th
Loans to deposits75.6%
50th
Uninsured deposits5.8%
52nd
Loan-loss reserves0.00%
50th
Texas ratio7.6%
23rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Downriver Community Federal Credit UnionCredit union Ecorse, MI70 out of 100, Strong$193.2M10.5%0.52%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs
Journey Federal Credit UnionCredit union Saint Johns, MI68 out of 100, Moderate$186.5M10.2%0.68%vs
Safe Harbor Credit UnionCredit union Ludington, MI44 out of 100, Below average$183.8M9.4%2.33%vs

Deposit insurance

Is my money safe at Polish-American Federal Credit Union?

Yes. Polish-American Federal Credit Union is a federally insured credit union (NCUA charter #22280). 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 5.8% of shares and deposits ($9.7M) 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 12.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Polish-American Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Polish-American Federal Credit Union reported 112 home-loan applications under HMDA (LEI 254900V7ZAKK6Z6SQ303): 102 originated ($18,250,000 total), 4 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, 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
Polish-American Federal Credit Union
Type
Federal credit union
NCUA charter #
22280
RSSD ID
508887
Primary regulator
NCUA
Established
1976
Headquarters
2889 E Maple Rd, Troy, MI 48083
Employees
25

Quick answers

Polish-American Federal Credit Union: common questions

Is Polish-American Federal Credit Union NCUA insured?

Yes. Polish-American Federal Credit Union is a federally insured credit union (NCUA charter #22280). 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 Polish-American Federal Credit Union's TellerScore?

72 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 Polish-American Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Troy

InstitutionScoreAssetsCapitalProblem loansCompare
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Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs