Tba Credit Union is a federally insured state-chartered credit union headquartered in Traverse City, Michigan, in business for about 71 years. At the end of Q2 2026 it reported $389.9M in total assets and $328.5M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Tba Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 23rd. Its strongest component is capital cushion (98/100; 14.79%), and its lowest is earnings (68/100; 1.20%).
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 9 points (77 → 86), mostly because the loan quality component improved by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 79 |
| Q2 2025 | 77 |
| Q3 2025 | 80 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 86 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.61% |
| Q3 2024 | 13.60% |
| Q4 2024 | 13.64% |
| Q1 2025 | 13.92% |
| Q2 2025 | 14.20% |
| Q3 2025 | 14.57% |
| Q4 2025 | 14.61% |
| Q1 2026 | 14.69% |
| Q2 2026 | 14.79% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.45% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.91% |
| Q1 2026 | 1.65% |
| Q2 2026 | 0.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $389.9M | 14.79% | 0.42% | 1.20% | 79.9% |
| Q1 2026 | 73 | $383.8M | 14.69% | 1.65% | 1.09% | 80.7% |
| Q4 2025 | 72 | $377.8M | 14.61% | 1.91% | 1.37% | 82.0% |
| Q3 2025 | 80 | $372.8M | 14.57% | 1.06% | 1.44% | 83.8% |
| Q2 2025 | 77 | $373.1M | 14.20% | 1.31% | 1.43% | 82.5% |
| Q1 2025 | 79 | $370.1M | 13.92% | 0.92% | 1.29% | 79.9% |
| Q4 2024 | 74 | $368.9M | 13.64% | 1.45% | 1.24% | 78.9% |
| Q3 2024 | 75 | $362.9M | 13.60% | 1.28% | 1.20% | 79.4% |
| Q2 2024 | 82 | $353.4M | 13.61% | 0.46% | 1.15% | 79.4% |
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ignite Credit UnionCredit union Battle Creek, MI | 55 out of 100, Moderate | $379.9M | 10.1% | 1.08% | vs |
| Case Credit UnionCredit union Lansing, MI | 62 out of 100, Moderate | $400.1M | 11.0% | 0.85% | vs |
| Our Credit UnionCredit union Royal Oak, MI | 68 out of 100, Moderate | $375.1M | 10.0% | 0.48% | vs |
| Monroe Community Credit UnionCredit union Monroe, MI | 80 out of 100, Strong | $406.4M | 11.4% | 0.20% | vs |
| Marshall Community Credit UnionCredit union Marshall, MI | 78 out of 100, Strong | $371.8M | 17.2% | 2.08% | vs |
| United Financial Credit UnionCredit union Saginaw, MI | 68 out of 100, Moderate | $360.1M | 10.7% | 1.03% | vs |
Deposit insurance
Is my money safe at Tba Credit Union?
Yes. Tba Credit Union is a federally insured credit union (NCUA charter #61795). 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 7.2% of shares and deposits ($23.6M) 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 14.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Tba Credit Union lists 2 offices in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Tba Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61795
- RSSD ID
- 698096
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- Po Box 1049, Traverse City, MI 49685
- Employees
- 84
Quick answers
Tba Credit Union: common questions
Is Tba Credit Union NCUA insured?
Yes. Tba Credit Union is a federally insured credit union (NCUA charter #61795). 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 Tba Credit Union's TellerScore?
86 out of 100 (Very 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 Tba Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Traverse City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alden State BankBank Alden, MI | 86 out of 100, Very strong | $318.4M | 12.7% | 0.26% | vs |
| Northwest Consumers Federal Credit UnionCredit union Traverse City, MI | 77 out of 100, Strong | $25.1M | 19.5% | 1.88% | vs |
| First Community BankBank Harbor Springs, MI | 77 out of 100, Strong | $413.6M | 9.9% | 0.00% | vs |
| Credit Union OneCredit union Ferndale, MI | 76 out of 100, Strong | $1.8B | 11.6% | 0.42% | vs |
| Traverse Catholic Federal Credit UnionCredit union Traverse City, MI | 74 out of 100, Strong | $92.2M | 10.4% | 0.84% | vs |
| Lake Michigan Credit UnionCredit union Grand Rapids, MI | 73 out of 100, Strong | $17.3B | 11.3% | 0.35% | vs |