Port City Federal Credit Union is a federal credit union headquartered in Muskegon, Michigan, in business for about 82 years. At the end of Q2 2026 it reported $42.1M in total assets and $36.8M in member shares and deposits, with 1 office.
Port City Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 45th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 4% uninsured); earnings contributes the least (45/100, 0.63%).
TellerScore · Q2 2026
Scorecard
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 (79 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 84 |
| Q4 2024 | 76 |
| Q1 2025 | 73 |
| Q2 2025 | 79 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 77 |
| Q2 2026 | 80 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.56% |
| Q3 2024 | 18.01% |
| Q4 2024 | 11.82% |
| Q1 2025 | 11.84% |
| Q2 2025 | 12.07% |
| Q3 2025 | 12.25% |
| Q4 2025 | 11.90% |
| Q1 2026 | 11.71% |
| Q2 2026 | 12.13% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $42.1M | 12.13% | 0.04% | 0.63% | 40.0% |
| Q1 2026 | 77 | $42.8M | 11.71% | 0.00% | 0.37% | 38.5% |
| Q4 2025 | 79 | $41.8M | 11.90% | 0.05% | 0.64% | 40.5% |
| Q3 2025 | 80 | $39.6M | 12.25% | 0.07% | 0.51% | 40.1% |
| Q2 2025 | 79 | $39.8M | 12.07% | 0.12% | 0.58% | 38.8% |
| Q1 2025 | 73 | $40.2M | 11.84% | 0.60% | 0.50% | 39.3% |
| Q4 2024 | 76 | $39.8M | 11.82% | 0.26% | 0.50% | 40.9% |
| Q3 2024 | 84 | $39.5M | 18.01% | 0.35% | 0.33% | 40.4% |
| Q2 2024 | 75 | $39.3M | 11.56% | 0.04% | 0.16% | 39.1% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chiropractic Federal Credit UnionCredit union Farmington, MI | 74 out of 100, Strong | $41.7M | 15.0% | 1.97% | vs |
| Auto-Owners Associates Credit UnionCredit union Lansing, MI | 96 out of 100, Very strong | $43.8M | 18.6% | 0.25% | vs |
| Manistique Federal Credit UnionCredit union Manistique, MI | 79 out of 100, Strong | $44.2M | 15.8% | 1.92% | vs |
| Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI | 86 out of 100, Very strong | $39.7M | 20.6% | 0.72% | vs |
| Lakeshore Federal Credit UnionCredit union Muskegon, MI | 78 out of 100, Strong | $45.2M | 11.9% | 0.04% | vs |
| Gogebic County Federal Credit UnionCredit union Bessemer, MI | 92 out of 100, Very strong | $38.5M | 17.2% | 0.89% | vs |
Deposit insurance
Is my money safe at Port City Federal Credit Union?
Yes. Port City Federal Credit Union is a federally insured credit union (NCUA charter #5116). 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 4.0% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Port City Federal Credit Union lists 1 office in 1 city. Most locations:
- Muskegon, MI (1)
Identity & history
Profile
- Legal name
- Port City Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5116
- RSSD ID
- 836076
- Primary regulator
- NCUA
- Established
- 1944
- Headquarters
- 460 W Laketon Ave, Muskegon, MI 49441
- Employees
- 5
Quick answers
Port City Federal Credit Union: common questions
Is Port City Federal Credit Union NCUA insured?
Yes. Port City Federal Credit Union is a federally insured credit union (NCUA charter #5116). 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 Port City Federal Credit Union's TellerScore?
80 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 Port City Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Muskegon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aac Credit UnionCredit union Grand Rapids, MI | 90 out of 100, Very strong | $212.4M | 24.2% | 0.36% | vs |
| Service 1 Federal Credit UnionCredit union Muskegon, MI | 89 out of 100, Very strong | $198.5M | 18.6% | 0.42% | vs |
| Tri-Cities Credit UnionCredit union Grand Haven, MI | 86 out of 100, Very strong | $51.3M | 13.9% | 0.05% | vs |
| Wmcu Credit UnionCredit union Grand Rapids, MI | 84 out of 100, Strong | $455.3M | 17.3% | 0.92% | vs |
| Route 31 Federal Credit UnionCredit union Muskegon, MI | 79 out of 100, Strong | $104.6M | 13.2% | 0.41% | vs |
| Lakeshore Federal Credit UnionCredit union Muskegon, MI | 78 out of 100, Strong | $45.2M | 11.9% | 0.04% | vs |