Headquartered in Trenton, Michigan, Shore to Shore Community Federal Credit Union is a federal credit union with $85.1M in total assets and $74.2M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1953.
Based on its Q2 2026 filing, Shore to Shore Community Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 42nd. Its strongest component is funding & liquidity (100/100; 38% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (70/100; 12.03%).
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
From Q2 2025 to Q2 2026, the score rose 16 points (65 → 81), mostly because the loan quality component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 67 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 73 |
| Q1 2026 | 80 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.30% |
| Q3 2024 | 10.02% |
| Q4 2024 | 10.33% |
| Q1 2025 | 10.41% |
| Q2 2025 | 10.82% |
| Q3 2025 | 11.37% |
| Q4 2025 | 11.66% |
| Q1 2026 | 11.59% |
| Q2 2026 | 12.03% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.96% |
| Q3 2025 | 2.03% |
| Q4 2025 | 1.34% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.73% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $85.1M | 12.03% | 0.73% | 1.61% | 38.4% |
| Q1 2026 | 80 | $85.2M | 11.59% | 0.70% | 1.53% | 37.3% |
| Q4 2025 | 73 | $81.9M | 11.66% | 1.34% | 1.39% | 40.1% |
| Q3 2025 | 66 | $81.5M | 11.37% | 2.03% | 1.41% | 39.9% |
| Q2 2025 | 65 | $83.5M | 10.82% | 1.96% | 1.40% | 39.2% |
| Q1 2025 | 67 | $83.9M | 10.41% | 1.66% | 1.41% | 38.7% |
| Q4 2024 | 71 | $81.7M | 10.33% | 1.13% | 1.42% | 40.2% |
| Q3 2024 | 72 | $81.7M | 10.02% | 1.00% | 1.47% | 40.2% |
| Q2 2024 | 69 | $84.9M | 9.30% | 0.98% | 1.37% | 37.6% |
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 |
|---|---|---|---|---|---|
| South Central Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $84.6M | 14.2% | 0.56% | vs |
| Limestone Financial Credit UnionCredit union Manistique, MI | 65 out of 100, Moderate | $83.1M | 10.7% | 0.55% | vs |
| Lake Huron Credit UnionCredit union Saginaw, MI | 74 out of 100, Strong | $81.5M | 14.8% | 1.25% | vs |
| Wexford Community Credit UnionCredit union Cadillac, MI | 54 out of 100, Below average | $88.8M | 8.6% | 0.81% | vs |
| Muskegon Federal Credit UnionCredit union Muskegon, MI | 75 out of 100, Strong | $80.8M | 11.0% | 0.18% | vs |
| Thornapple Credit UnionCredit union Hastings, MI | 68 out of 100, Moderate | $79.2M | 9.8% | 0.59% | vs |
Deposit insurance
Is my money safe at Shore to Shore Community Federal Credit Union?
Yes. Shore to Shore Community Federal Credit Union is a federally insured credit union (NCUA charter #8349). 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 5.2% of shares and deposits ($3.9M) 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 12.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Shore to Shore Community Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Trenton, MI (1)
- Woodhaven, MI (1)
Identity & history
Profile
- Legal name
- Shore to Shore Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8349
- RSSD ID
- 433783
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 4550 Division St, Trenton, MI 48183
- Employees
- 17
Quick answers
Shore to Shore Community Federal Credit Union: common questions
Is Shore to Shore Community Federal Credit Union NCUA insured?
Yes. Shore to Shore Community Federal Credit Union is a federally insured credit union (NCUA charter #8349). 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 Shore to Shore Community Federal Credit Union's TellerScore?
81 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 Shore to Shore Community Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Trenton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Zeal Credit UnionCredit union Livonia, MI | 83 out of 100, Strong | $1.1B | 19.8% | 1.50% | vs |
| Wayne-Westland Federal Credit UnionCredit union Westland, MI | 83 out of 100, Strong | $161.2M | 11.3% | 0.47% | vs |