TellerScore

Headquartered in Grand Haven, Michigan, Tri-Cities Credit Union is a federally insured state-chartered credit union with $51.3M in total assets and $43.7M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1955.

Tri-Cities Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 25th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (58/100, 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.92%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity89/100
Loans ÷ shares: 71.4% · 5.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.24%

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 3 points (83 → 86), mostly because the capital cushion component improved by 11 points.

TellerScore
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202479
Q4 202479
Q1 202581
Q2 202583
Q3 202583
Q4 202585
Q1 202687
Q2 202686
Net worth ratio
7.00%10.46%13.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.96%
Q3 202412.89%
Q4 202412.65%
Q1 202512.65%
Q2 202512.80%
Q3 202513.21%
Q4 202513.62%
Q1 202613.69%
Q2 202613.92%
Delinquent loans (60+ days)
0.05%0.21%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.37%
Q4 20240.31%
Q1 20250.09%
Q2 20250.08%
Q3 20250.19%
Q4 20250.21%
Q1 20260.05%
Q2 20260.05%
Return on assets
0.71%0.92%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.78%
Q4 20240.81%
Q1 20250.71%
Q2 20250.88%
Q3 20250.95%
Q4 20251.12%
Q1 20261.00%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$51.3M13.92%0.05%0.96%71.4%
Q1 202687$51.3M13.69%0.05%1.00%67.5%
Q4 202585$50.6M13.62%0.21%1.12%69.8%
Q3 202583$51.3M13.21%0.19%0.95%67.8%
Q2 202583$51.8M12.80%0.08%0.88%66.9%
Q1 202581$51.4M12.65%0.09%0.71%68.2%
Q4 202479$50.7M12.65%0.31%0.81%70.7%
Q3 202479$49.5M12.89%0.37%0.78%72.3%
Q2 202481$48.6M12.96%0.15%0.88%73.9%

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 ratio13.92%
47th
Problem loans0.05%
83rd
Net charge-offs0.13%
54th
Return on assets0.96%
66th
Loans to deposits71.4%
31st
Uninsured deposits5.5%
19th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
80th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Country Heritage Credit UnionCredit union Buchanan, MI75 out of 100, Strong$51.4M22.5%1.54%vs
Southeast Michigan State Employees Federal Credit UnionCredit union West Bloomfield, MI66 out of 100, Moderate$51.5M12.1%2.14%vs
Aeroquip Credit UnionCredit union Jackson, MI78 out of 100, Strong$51.6M15.8%0.62%vs
Gr Consumers Credit UnionCredit union Wyoming, MI86 out of 100, Very strong$52.0M16.6%0.16%vs
Lakeshore Federal Credit UnionCredit union Muskegon, MI78 out of 100, Strong$45.2M11.9%0.04%vs
Manistique Federal Credit UnionCredit union Manistique, MI79 out of 100, Strong$44.2M15.8%1.92%vs

Deposit insurance

Is my money safe at Tri-Cities Credit Union?

Yes. Tri-Cities Credit Union is a federally insured credit union (NCUA charter #62508). 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 5.5% of shares and deposits ($2.4M) 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 13.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Tri-Cities Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tri-Cities Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62508
RSSD ID
614890
Primary regulator
State + NCUA
Established
1955
Headquarters
905 Pennoyer Ave, Grand Haven, MI 49417
Employees
14

Quick answers

Tri-Cities Credit Union: common questions

Is Tri-Cities Credit Union NCUA insured?

Yes. Tri-Cities Credit Union is a federally insured credit union (NCUA charter #62508). 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 Tri-Cities 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 Tri-Cities Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Grand Haven

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
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
Route 31 Federal Credit UnionCredit union Muskegon, MI79 out of 100, Strong$104.6M13.2%0.41%vs
Lakeshore Federal Credit UnionCredit union Muskegon, MI78 out of 100, Strong$45.2M11.9%0.04%vs