TellerScore

West Michigan Postal Service Federal Credit Union is a federal credit union headquartered in Muskegon, Michigan, in business for about 74 years. At the end of Q2 2026 it reported $7.1M in total assets and $6.1M in member shares and deposits, with 1 office.

West Michigan Postal Service Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 138th. Capital cushion contributes the most (87/100, 13.67%); loan quality contributes the least (20/100, 2.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.67%
Loan quality20/100
Loans 60+ days delinquent ÷ total loans: 2.41%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity77/100
Loans ÷ shares: 83.6% · 0.0% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.19%

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 9 points (74 → 65), mostly because the loan quality component weakened by 56 points.

TellerScore
637281Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202463
Q4 202477
Q1 202581
Q2 202574
Q3 202566
Q4 202572
Q1 202673
Q2 202665
Net worth ratio
7.00%10.34%13.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.94%
Q3 202412.23%
Q4 202412.65%
Q1 202512.65%
Q2 202512.55%
Q3 202512.84%
Q4 202512.71%
Q1 202612.75%
Q2 202613.67%
Delinquent loans (60+ days)
0.37%1.39%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20241.91%
Q4 20240.52%
Q1 20250.37%
Q2 20250.73%
Q3 20251.53%
Q4 20250.85%
Q1 20260.78%
Q2 20262.41%
Return on assets
0.63%0.99%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.87%
Q4 20240.87%
Q1 20251.13%
Q2 20250.89%
Q3 20250.79%
Q4 20250.75%
Q1 20260.63%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$7.1M13.67%2.41%1.34%83.6%
Q1 202673$7.3M12.75%0.78%0.63%76.4%
Q4 202572$7.2M12.71%0.85%0.75%78.8%
Q3 202566$7.1M12.84%1.53%0.79%80.5%
Q2 202574$7.1M12.55%0.73%0.89%80.0%
Q1 202581$7.0M12.65%0.37%1.13%73.3%
Q4 202477$6.8M12.65%0.52%0.87%77.0%
Q3 202463$7.0M12.23%1.91%0.87%74.4%
Q2 202469$7.0M11.94%1.00%0.73%72.2%

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 ratio13.67%
44th
Problem loans2.41%
17th
Net charge-offs0.70%
20th
Return on assets1.34%
81st
Loans to deposits83.6%
16th
Uninsured deposits0.0%
81st
Loan-loss reserves0.89%
82nd
Texas ratio12.2%
10th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Westacres Credit UnionCredit union West Bloomfield, MI82 out of 100, Strong$7.1M13.5%0.00%vs
Rock Community Federal Credit UnionCredit union Rock, MI69 out of 100, Moderate$9.1M8.7%0.04%vs
Lake Superior Credit UnionCredit union Ontonagon, MI96 out of 100, Very strong$11.2M14.3%0.17%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
Muskegon St Joseph Federal Credit UnionCredit union Muskegon, MI67 out of 100, Moderate$12.4M11.1%0.89%vs
Northern Lights Community Federal Credit UnionCredit union Chatham, MI70 out of 100, Strong$12.9M9.8%1.67%vs

Deposit insurance

Is my money safe at West Michigan Postal Service Federal Credit Union?

Yes. West Michigan Postal Service Federal Credit Union is a federally insured credit union (NCUA charter #7910). 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 0.0% of shares and deposits ($0) 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 13.67%, well 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

West Michigan Postal Service Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
West Michigan Postal Service Federal Credit Union
Type
Federal credit union
NCUA charter #
7910
RSSD ID
450089
Primary regulator
NCUA
Established
1952
Headquarters
P. O. Box 341, Muskegon, MI 49443
Employees
2

Quick answers

West Michigan Postal Service Federal Credit Union: common questions

Is West Michigan Postal Service Federal Credit Union NCUA insured?

Yes. West Michigan Postal Service Federal Credit Union is a federally insured credit union (NCUA charter #7910). 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 West Michigan Postal Service Federal Credit Union's TellerScore?

65 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 West Michigan Postal Service Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Muskegon

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
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%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