TellerScore

Headquartered in Grand Rapids, Michigan, Wmcu Credit Union is a federally insured state-chartered credit union with $455.3M in total assets and $373.3M in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Wmcu Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 29th. Its strongest component is capital cushion (100/100; 17.32%), and its lowest is earnings (64/100; 1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.32%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity100/100
Loans ÷ shares: 55.1% · 3.2% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.10%

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 6 points (78 → 84), mostly because the loan quality component improved by 22 points.

TellerScore
788796Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202493
Q4 202493
Q1 202596
Q2 202578
Q3 202580
Q4 202579
Q1 202682
Q2 202684
Net worth ratio
7.00%13.77%20.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.26%
Q3 202420.01%
Q4 202420.55%
Q1 202520.37%
Q2 202516.51%
Q3 202517.21%
Q4 202517.27%
Q1 202617.26%
Q2 202617.32%
Delinquent loans (60+ days)
0.30%0.94%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.38%
Q4 20240.61%
Q1 20250.30%
Q2 20251.58%
Q3 20251.44%
Q4 20251.55%
Q1 20261.15%
Q2 20260.92%
Return on assets
1.00%1.42%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.50%
Q4 20241.80%
Q1 20251.83%
Q2 20251.00%
Q3 20251.09%
Q4 20251.07%
Q1 20261.05%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$455.3M17.32%0.92%1.11%55.1%
Q1 202682$449.2M17.26%1.15%1.05%56.1%
Q4 202579$441.9M17.27%1.55%1.07%59.0%
Q3 202580$437.4M17.21%1.44%1.09%61.2%
Q2 202578$448.1M16.51%1.58%1.00%60.0%
Q1 202596$260.5M20.37%0.30%1.83%52.0%
Q4 202493$252.3M20.55%0.61%1.80%56.8%
Q3 202493$251.3M20.01%0.38%1.50%59.5%
Q2 202492$255.7M19.26%0.38%1.40%60.8%

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 ratio17.32%
94th
Problem loans0.92%
34th
Net charge-offs0.98%
10th
Return on assets1.11%
72nd
Loans to deposits55.1%
85th
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio3.1%
60th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Public Service Credit UnionCredit union Romulus, MI69 out of 100, Moderate$467.6M11.6%1.03%vs
Cornerstone Community Financial Credit UnionCredit union Auburn Hills, MI62 out of 100, Moderate$470.1M12.1%1.18%vs
Jolt Credit UnionCredit union Saginaw, MI69 out of 100, Moderate$483.8M10.3%0.43%vs
Loc Credit UnionCredit union Farmington, MI74 out of 100, Strong$485.0M10.2%0.36%vs
Monroe Community Credit UnionCredit union Monroe, MI80 out of 100, Strong$406.4M11.4%0.20%vs
Case Credit UnionCredit union Lansing, MI62 out of 100, Moderate$400.1M11.0%0.85%vs

Deposit insurance

Is my money safe at Wmcu Credit Union?

Yes. Wmcu Credit Union is a federally insured credit union (NCUA charter #62347). 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 3.2% of shares and deposits ($12.0M) 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 17.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Wmcu Credit Union lists 11 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wmcu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62347
RSSD ID
226499
Primary regulator
State + NCUA
Established
1956
Headquarters
401 Hall St SW, Suite 288, Grand Rapids, MI 49503
Employees
123

Quick answers

Wmcu Credit Union: common questions

Is Wmcu Credit Union NCUA insured?

Yes. Wmcu Credit Union is a federally insured credit union (NCUA charter #62347). 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 Wmcu Credit Union's TellerScore?

84 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 Wmcu Credit Union have?

11 offices as of the latest NCUA data.