TellerScore

Rock Community Federal Credit Union (NCUA charter #21020) is based in Rock, Michigan. Its Q2 2026 call report shows $9.1M in total assets and $8.3M in member shares and deposits and 2 offices.

Rock Community Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 109th. Funding & liquidity contributes the most (100/100, 36% loans-to-deposits, 4% uninsured); capital cushion contributes the least (37/100, 8.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.69%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 36.0% · 4.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

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 (70 → 69).

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202468
Q4 202465
Q1 202561
Q2 202570
Q3 202571
Q4 202570
Q1 202663
Q2 202669
Net worth ratio
7.00%7.92%8.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.99%
Q3 20248.10%
Q4 20248.40%
Q1 20258.51%
Q2 20258.51%
Q3 20258.85%
Q4 20258.71%
Q1 20268.62%
Q2 20268.69%
Delinquent loans (60+ days)
0.02%0.46%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.02%
Q4 20240.55%
Q1 20250.91%
Q2 20250.04%
Q3 20250.04%
Q4 20250.04%
Q1 20260.78%
Q2 20260.04%
Return on assets
0.52%0.64%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.67%
Q4 20240.69%
Q1 20250.62%
Q2 20250.74%
Q3 20250.70%
Q4 20250.71%
Q1 20260.61%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$9.1M8.69%0.04%0.52%36.0%
Q1 202663$9.0M8.62%0.78%0.61%33.2%
Q4 202570$8.8M8.71%0.04%0.71%36.9%
Q3 202571$8.5M8.85%0.04%0.70%39.7%
Q2 202570$8.6M8.51%0.04%0.74%38.3%
Q1 202561$8.4M8.51%0.91%0.62%36.2%
Q4 202465$8.4M8.40%0.55%0.69%34.8%
Q3 202468$8.5M8.10%0.02%0.67%34.6%
Q2 202469$8.5M7.99%0.03%0.75%35.9%

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).

Capital ratio8.69%
8th
Problem loans0.04%
84th
Net charge-offs0.00%
77th
Return on assets0.52%
43rd
Loans to deposits36.0%
83rd
Uninsured deposits4.1%
27th
Loan-loss reserves0.90%
82nd
Texas ratio0.1%
83rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Westacres Credit UnionCredit union West Bloomfield, MI82 out of 100, Strong$7.1M13.5%0.00%vs
West Michigan Postal Service Federal Credit UnionCredit union Muskegon, MI65 out of 100, Moderate$7.1M13.7%2.41%vs
Lake Superior Credit UnionCredit union Ontonagon, MI96 out of 100, Very strong$11.2M14.3%0.17%vs
Muskegon St Joseph Federal Credit UnionCredit union Muskegon, MI67 out of 100, Moderate$12.4M11.1%0.89%vs
Northern Lights Community Federal Credit UnionCredit union Chatham, MI70 out of 100, Strong$12.9M9.8%1.67%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs

Deposit insurance

Is my money safe at Rock Community Federal Credit Union?

Yes. Rock Community Federal Credit Union is a federally insured credit union (NCUA charter #21020). 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 4.1% of shares and deposits ($341K) 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 8.69%, slightly 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

Rock Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rock Community Federal Credit Union
Type
Federal credit union
NCUA charter #
21020
RSSD ID
813086
Primary regulator
NCUA
Established
1972
Headquarters
P.O. Box 200, Rock, MI 49880
Employees
4

Quick answers

Rock Community Federal Credit Union: common questions

Is Rock Community Federal Credit Union NCUA insured?

Yes. Rock Community Federal Credit Union is a federally insured credit union (NCUA charter #21020). 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 Rock Community Federal Credit Union's TellerScore?

69 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 Rock Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rock

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs
Honor Credit UnionCredit union Berrien Springs, MI70 out of 100, Strong$1.9B12.2%0.92%vs
Northern Lights Community Federal Credit UnionCredit union Chatham, MI70 out of 100, Strong$12.9M9.8%1.67%vs
BaybankBank Gladstone, MI56 out of 100, Moderate$173.4M10.7%2.02%vs
Peoples State Bank of MunisingBank Munising, MI48 out of 100, Below average$190.4M12.7%3.39%vs