TellerScore

Tahquamenon Area Credit Union (NCUA charter #60423) is based in Newberry, Michigan. Its Q2 2026 call report shows $69.6M in total assets and $62.3M in member shares and deposits and 2 offices.

Tahquamenon Area Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 103rd. Funding & liquidity contributes the most (100/100, 43% loans-to-deposits, 3% uninsured); earnings contributes the least (27/100, 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.84%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity100/100
Loans ÷ shares: 43.5% · 3.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.98%

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 4 points (66 → 70), mostly because the loan quality component improved by 24 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202468
Q4 202462
Q1 202569
Q2 202566
Q3 202564
Q4 202569
Q1 202667
Q2 202670
Net worth ratio
7.00%9.68%12.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.69%
Q3 202411.65%
Q4 202411.47%
Q1 202512.36%
Q2 202512.36%
Q3 202512.11%
Q4 202512.12%
Q1 202612.15%
Q2 202611.84%
Delinquent loans (60+ days)
0.60%1.04%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.47%
Q3 20240.79%
Q4 20241.34%
Q1 20251.07%
Q2 20251.32%
Q3 20251.25%
Q4 20250.98%
Q1 20261.19%
Q2 20260.60%
Return on assets
0.05%0.20%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.07%
Q3 20240.17%
Q4 20240.11%
Q1 20250.36%
Q2 20250.17%
Q3 20250.05%
Q4 20250.31%
Q1 20260.22%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$69.6M11.84%0.60%0.17%43.5%
Q1 202667$67.6M12.15%1.19%0.22%42.8%
Q4 202569$67.5M12.12%0.98%0.31%43.8%
Q3 202564$66.3M12.11%1.25%0.05%42.8%
Q2 202566$65.4M12.36%1.32%0.17%43.9%
Q1 202569$65.3M12.36%1.07%0.36%42.2%
Q4 202462$70.2M11.47%1.34%0.11%39.1%
Q3 202468$69.5M11.65%0.79%0.17%40.7%
Q2 202461$68.7M11.69%1.47%0.07%40.6%

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).

Capital ratio11.84%
30th
Problem loans0.60%
54th
Net charge-offs0.30%
39th
Return on assets0.17%
26th
Loans to deposits43.5%
73rd
Uninsured deposits3.0%
37th
Loan-loss reserves0.00%
37th
Texas ratio2.0%
53rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Community Focus Federal Credit UnionCredit union Brownstown, MI67 out of 100, Moderate$68.0M14.1%1.52%vs
A.B.D. Federal Credit UnionCredit union Warren, MI68 out of 100, Moderate$66.5M15.1%1.36%vs
Michigan Columbus Federal Credit UnionCredit union Livonia, MI82 out of 100, Strong$75.0M16.6%1.01%vs
Lincoln Park Community Credit UnionCredit union Lincoln Park, MI87 out of 100, Very strong$63.4M18.0%0.27%vs
Intandem Credit UnionCredit union Grand Rapids, MI76 out of 100, Strong$75.8M11.9%0.41%vs
Baraga County Federal Credit UnionCredit union Lanse, MI76 out of 100, Strong$63.1M10.5%0.49%vs

Deposit insurance

Is my money safe at Tahquamenon Area Credit Union?

Yes. Tahquamenon Area Credit Union is a federally insured credit union (NCUA charter #60423). 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 3.0% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.84%, 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

Tahquamenon Area Credit Union lists 2 offices in 2 cities. Most locations:

  • Engadine, MI (1)
  • Newberry, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Tahquamenon Area Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60423
RSSD ID
447397
Primary regulator
State + NCUA
Established
1955
Headquarters
PO Box 485, Newberry, MI 49868
Employees
21

Quick answers

Tahquamenon Area Credit Union: common questions

Is Tahquamenon Area Credit Union NCUA insured?

Yes. Tahquamenon Area Credit Union is a federally insured credit union (NCUA charter #60423). 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 Tahquamenon Area Credit Union's TellerScore?

70 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 Tahquamenon Area Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Newberry

InstitutionScoreAssetsCapitalProblem loansCompare
Nicolet National BankBank Green Bay, WI64 out of 100, Moderate$15.4B9.6%0.63%vs
The First National Bank of St. IgnaceBank St. Ignace, MI59 out of 100, Moderate$335.8M7.8%0.65%vs