TellerScore

Route 31 Federal Credit Union (NCUA charter #5982) is based in Muskegon, Michigan. Its Q2 2026 call report shows $104.6M in total assets and $89.7M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Route 31 Federal Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 49th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (48/100; 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.21%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity91/100
Loans ÷ shares: 68.8% · 5.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.85%

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 2 points (77 → 79), mostly because the funding & liquidity component improved by 8 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202481
Q1 202579
Q2 202577
Q3 202578
Q4 202580
Q1 202683
Q2 202679
Net worth ratio
7.00%10.41%13.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.09%
Q3 202413.12%
Q4 202413.39%
Q1 202513.15%
Q2 202513.28%
Q3 202513.67%
Q4 202513.83%
Q1 202613.51%
Q2 202613.21%
Delinquent loans (60+ days)
0.15%0.34%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.20%
Q4 20240.28%
Q1 20250.33%
Q2 20250.52%
Q3 20250.52%
Q4 20250.48%
Q1 20260.38%
Q2 20260.41%
Return on assets
0.62%0.83%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.78%
Q4 20240.92%
Q1 20250.72%
Q2 20250.62%
Q3 20250.63%
Q4 20250.78%
Q1 20261.03%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$104.6M13.21%0.41%0.70%68.8%
Q1 202683$101.5M13.51%0.38%1.03%70.8%
Q4 202580$97.8M13.83%0.48%0.78%76.1%
Q3 202578$96.7M13.67%0.52%0.63%77.7%
Q2 202577$98.4M13.28%0.52%0.62%77.6%
Q1 202579$98.4M13.15%0.33%0.72%76.2%
Q4 202481$95.9M13.39%0.28%0.92%82.9%
Q3 202479$95.3M13.12%0.20%0.78%87.3%
Q2 202479$94.1M13.09%0.15%0.79%89.0%

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 ratio13.21%
72nd
Problem loans0.41%
73rd
Net charge-offs0.40%
45th
Return on assets0.70%
47th
Loans to deposits68.8%
63rd
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio1.9%
78th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Great Lakes First Federal Credit UnionCredit union Escanaba, MI66 out of 100, Moderate$105.4M10.3%1.15%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Compass Credit UnionCredit union Sparta, MI74 out of 100, Strong$101.1M10.8%0.56%vs
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
Marquette Community Federal Credit UnionCredit union Marquette, MI92 out of 100, Very strong$117.0M14.9%0.85%vs
Circle Federal Credit UnionCredit union Niles, MI68 out of 100, Moderate$117.4M9.1%0.25%vs

Deposit insurance

Is my money safe at Route 31 Federal Credit Union?

Yes. Route 31 Federal Credit Union is a federally insured credit union (NCUA charter #5982). 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 ($5.2M) 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 13.21%, 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

Route 31 Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Route 31 Federal Credit Union reported 68 home-loan applications under HMDA (LEI 2549006QH61JRY6BYY91): 49 originated ($2,565,000 total), 15 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.4%, 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
Route 31 Federal Credit Union
Type
Federal credit union
NCUA charter #
5982
RSSD ID
413879
Primary regulator
NCUA
Established
1949
Headquarters
715 Terrace Street, Suite 101, Muskegon, MI 49440
Employees
37

Quick answers

Route 31 Federal Credit Union: common questions

Is Route 31 Federal Credit Union NCUA insured?

Yes. Route 31 Federal Credit Union is a federally insured credit union (NCUA charter #5982). 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 Route 31 Federal Credit Union's TellerScore?

79 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 Route 31 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Muskegon

InstitutionScoreAssetsCapitalProblem loansCompare
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Lakeshore Federal Credit UnionCredit union Muskegon, MI78 out of 100, Strong$45.2M11.9%0.04%vs