TellerScore

Headquartered in Wolverine Lake, Michigan, Walled Lake Schools Federal Credit Union is a federal credit union with $138.4M in total assets and $119.0M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1950.

Based on its Q2 2026 filing, Walled Lake Schools Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 41st. Its strongest component is funding & liquidity (100/100; 26% loans-to-deposits, 3% uninsured), and its lowest is loan quality (50/100; 1.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.58%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.50%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity100/100
Loans ÷ shares: 26.0% · 2.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.31%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 81).

TellerScore
707886Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202478
Q4 202486
Q1 202579
Q2 202581
Q3 202574
Q4 202586
Q1 202680
Q2 202681
Net worth ratio
7.00%10.79%14.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.31%
Q3 202412.91%
Q4 202413.43%
Q1 202513.34%
Q2 202513.42%
Q3 202513.89%
Q4 202514.06%
Q1 202614.29%
Q2 202614.58%
Delinquent loans (60+ days)
0.26%0.90%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.54%
Q3 20240.89%
Q4 20240.26%
Q1 20250.35%
Q2 20250.45%
Q3 20250.97%
Q4 20250.59%
Q1 20261.09%
Q2 20261.50%
Return on assets
0.15%0.76%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.03%
Q4 20241.09%
Q1 20250.43%
Q2 20250.75%
Q3 20250.15%
Q4 20251.23%
Q1 20260.95%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$138.4M14.58%1.50%1.37%26.0%
Q1 202680$137.5M14.29%1.09%0.95%25.7%
Q4 202586$137.5M14.06%0.59%1.23%26.1%
Q3 202574$134.7M13.89%0.97%0.15%27.3%
Q2 202581$136.1M13.42%0.45%0.75%27.5%
Q1 202579$134.1M13.34%0.35%0.43%27.7%
Q4 202486$132.2M13.43%0.26%1.09%28.4%
Q3 202478$134.4M12.91%0.89%1.03%28.3%
Q2 202470$137.8M12.31%1.54%0.95%26.7%

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).

Capital ratio14.58%
83rd
Problem loans1.50%
13th
Net charge-offs0.33%
53rd
Return on assets1.37%
84th
Loans to deposits26.0%
99th
Uninsured deposits2.7%
85th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Breakwater Federal Credit UnionCredit union Houghton, MI92 out of 100, Very strong$138.2M13.7%0.32%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs
Integra First Federal Credit UnionCredit union Powers, MI56 out of 100, Moderate$135.4M9.0%0.99%vs
Sunrise Family Credit UnionCredit union Bay City, MI68 out of 100, Moderate$133.5M9.2%0.07%vs
Straits Area Federal Credit UnionCredit union Cheboygan, MI59 out of 100, Moderate$132.4M11.7%2.77%vs
Lenco Credit UnionCredit union Adrian, MI82 out of 100, Strong$145.0M12.1%0.21%vs

Deposit insurance

Is my money safe at Walled Lake Schools Federal Credit Union?

Yes. Walled Lake Schools Federal Credit Union is a federally insured credit union (NCUA charter #6613). 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 2.7% of shares and deposits ($3.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.58%, well 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

Walled Lake Schools Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Walled Lake Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
6613
RSSD ID
989383
Primary regulator
NCUA
Established
1950
Headquarters
3095 S Commerce Rd, Wolverine Lake, MI 48390
Employees
13

Quick answers

Walled Lake Schools Federal Credit Union: common questions

Is Walled Lake Schools Federal Credit Union NCUA insured?

Yes. Walled Lake Schools Federal Credit Union is a federally insured credit union (NCUA charter #6613). 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 Walled Lake Schools 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 Walled Lake Schools Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs