TellerScore

Warren Municipal Federal Credit Union (NCUA charter #7633) is based in Warren, Michigan. Its Q2 2026 call report shows $22.1M in total assets and $19.9M in member shares and deposits and 1 office.

Warren Municipal Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 98th. Funding & liquidity contributes the most (100/100, 45% loans-to-deposits, 0% uninsured); capital cushion contributes the least (46/100, 9.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.59%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity100/100
Loans ÷ shares: 45.4% · 0.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.85%

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 fell 2 points (73 → 71), mostly because the earnings component weakened by 5 points.

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202475
Q1 202573
Q2 202573
Q3 202574
Q4 202572
Q1 202675
Q2 202671
Net worth ratio
7.00%8.58%10.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.61%
Q3 20248.93%
Q4 20249.42%
Q1 20259.64%
Q2 20259.62%
Q3 202510.16%
Q4 202510.02%
Q1 202610.01%
Q2 20269.59%
Delinquent loans (60+ days)
0.10%0.15%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.20%
Q4 20240.13%
Q1 20250.12%
Q2 20250.12%
Q3 20250.16%
Q4 20250.14%
Q1 20260.10%
Q2 20260.20%
Return on assets
0.50%0.84%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.14%
Q4 20241.07%
Q1 20250.80%
Q2 20250.82%
Q3 20250.77%
Q4 20250.50%
Q1 20260.81%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$22.1M9.59%0.20%0.70%45.4%
Q1 202675$20.8M10.01%0.10%0.81%49.9%
Q4 202572$20.4M10.02%0.14%0.50%52.4%
Q3 202574$20.3M10.16%0.16%0.77%54.1%
Q2 202573$21.1M9.62%0.12%0.82%52.6%
Q1 202573$20.6M9.64%0.12%0.80%53.9%
Q4 202475$20.6M9.42%0.13%1.07%55.3%
Q3 202473$21.3M8.93%0.20%1.14%56.3%
Q2 202473$21.4M8.61%0.17%1.17%59.4%

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 ratio9.59%
13th
Problem loans0.20%
74th
Net charge-offs-0.02%
89th
Return on assets0.70%
53rd
Loans to deposits45.4%
71st
Uninsured deposits0.2%
60th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
68th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Tandem Federal Credit UnionCredit union Warren, MI72 out of 100, Strong$22.3M16.5%1.47%vs
United Churches Credit UnionCredit union Taylor, MI67 out of 100, Moderate$21.9M10.3%1.08%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs
Frankfort Community Federal Credit UnionCredit union Frankfort, MI69 out of 100, Moderate$19.6M14.4%3.83%vs
International Uaw Federal Credit UnionCredit union Detroit, MI60 out of 100, Moderate$19.5M15.8%3.78%vs

Deposit insurance

Is my money safe at Warren Municipal Federal Credit Union?

Yes. Warren Municipal Federal Credit Union is a federally insured credit union (NCUA charter #7633). 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 0.2% of shares and deposits ($47K) 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 9.59%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Warren Municipal Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Warren Municipal Federal Credit Union
Type
Federal credit union
NCUA charter #
7633
RSSD ID
633789
Primary regulator
NCUA
Established
1952
Headquarters
31300 Hoover, Warren, MI 48093
Employees
5

Quick answers

Warren Municipal Federal Credit Union: common questions

Is Warren Municipal Federal Credit Union NCUA insured?

Yes. Warren Municipal Federal Credit Union is a federally insured credit union (NCUA charter #7633). 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 Warren Municipal Federal Credit Union's TellerScore?

71 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 Warren Municipal Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Warren

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs