Thornapple Credit Union (NCUA charter #62196) is based in Hastings, Michigan. Its Q2 2026 call report shows $79.2M in total assets and $70.5M in member shares and deposits and 3 offices.
Based on its Q2 2026 filing, Thornapple Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 117th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (48/100; 9.81%).
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 4 points (64 → 68), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 58 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.80% |
| Q4 2024 | 8.83% |
| Q1 2025 | 9.05% |
| Q2 2025 | 9.35% |
| Q3 2025 | 9.72% |
| Q4 2025 | 9.83% |
| Q1 2026 | 9.55% |
| Q2 2026 | 9.81% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.23% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.29% |
| Q1 2026 | 0.83% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $79.2M | 9.81% | 0.59% | 1.14% | 86.4% |
| Q1 2026 | 66 | $78.4M | 9.55% | 0.49% | 0.83% | 85.4% |
| Q4 2025 | 67 | $74.5M | 9.83% | 0.74% | 1.29% | 89.6% |
| Q3 2025 | 66 | $73.0M | 9.72% | 0.73% | 1.27% | 91.2% |
| Q2 2025 | 64 | $72.2M | 9.35% | 0.57% | 0.98% | 90.5% |
| Q1 2025 | 58 | $71.9M | 9.05% | 0.91% | 0.57% | 88.6% |
| Q4 2024 | 61 | $72.4M | 8.83% | 0.96% | 1.23% | 87.5% |
| Q3 2024 | 61 | $70.1M | 8.80% | 0.90% | 1.19% | 90.0% |
| Q2 2024 | 56 | $68.0M | 8.71% | 1.30% | 1.15% | 92.5% |
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 |
|---|---|---|---|---|---|
| Muskegon Federal Credit UnionCredit union Muskegon, MI | 75 out of 100, Strong | $80.8M | 11.0% | 0.18% | vs |
| Lake Huron Credit UnionCredit union Saginaw, MI | 74 out of 100, Strong | $81.5M | 14.8% | 1.25% | vs |
| Intandem Credit UnionCredit union Grand Rapids, MI | 76 out of 100, Strong | $75.8M | 11.9% | 0.41% | vs |
| Limestone Financial Credit UnionCredit union Manistique, MI | 65 out of 100, Moderate | $83.1M | 10.7% | 0.55% | vs |
| Michigan Columbus Federal Credit UnionCredit union Livonia, MI | 82 out of 100, Strong | $75.0M | 16.6% | 1.01% | vs |
| South Central Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $84.6M | 14.2% | 0.56% | vs |
Deposit insurance
Is my money safe at Thornapple Credit Union?
Yes. Thornapple Credit Union is a federally insured credit union (NCUA charter #62196). 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 3.9% of shares and deposits ($2.8M) 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 9.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Thornapple Credit Union lists 3 offices in 3 cities. Most locations:
- Delton, MI (1)
- Hastings, MI (1)
- Middleville, MI (1)
Identity & history
Profile
- Legal name
- Thornapple Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62196
- RSSD ID
- 833299
- Primary regulator
- State + NCUA
- Established
- 1964
- Headquarters
- PO Box 289, Hastings, MI 49058
- Employees
- 41
Quick answers
Thornapple Credit Union: common questions
Is Thornapple Credit Union NCUA insured?
Yes. Thornapple Credit Union is a federally insured credit union (NCUA charter #62196). 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 Thornapple Credit Union's TellerScore?
68 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 Thornapple Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hastings
| 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 |
| Allegheny Central Federal Credit UnionCredit union Dunbar, PA | 95 out of 100, Very strong | $8.2M | 20.8% | 0.18% | vs |
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Blue Water Federal Credit UnionCredit union Port Huron, MI | 86 out of 100, Very strong | $20.4M | 14.4% | 0.23% | vs |
| Gr Consumers Credit UnionCredit union Wyoming, MI | 86 out of 100, Very strong | $52.0M | 16.6% | 0.16% | vs |