credit union · NCUA 22280 · MI
How big is PAC?
PAC (MI, NCUA charter 22280) reported total assets of $195.1M, 7,439 members and a net worth ratio of 12.79% in its Call Report for 2026Q2. That ranks 1300 of 4,299 federally insured credit unions by assets, 541 of 1,061 among credit unions with $100m-$500m in assets, 83 of 169 credit unions in michigan.
What stands out
PAC (MI, NCUA charter 22280) reported total assets of $195.1M, 7,439 members and a net worth ratio of 12.79% in its Call Report for 2026Q2. That ranks 1300 of 4,299 federally insured credit unions by assets, 541 of 1,061 among credit unions with $100m-$500m in assets, 83 of 169 credit unions in michigan. Against its size class: net worth ratio 12.79%, above the peer median of 11.65%; loan-to-share ratio 75.62%, above the peer median of 73.15%; return on assets 1.23%, above the peer median of 0.74%. At 12.79% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $195.1M | $198.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $169.0M | $172.3M | $160.8M | $58.3M | record → |
| Loans outstanding | $127.8M | $125.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $1.2M | $766.3k | $792.8k | $222.2k | record → |
| Net worth | $24.9M | $24.5M | $22.8M | $9.0M | record → |
| Net worth ratio | 12.79% | 11.65% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 75.62% | 73.15% | 68.71% | 68.70% | computed |
| Return on assets | 1.23% | 0.74% | 0.92% | 0.71% | computed |
| Members | 7,439 | 13,230 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $195.1M | $169.0M | $127.8M | $1.2M | 12.79% | 7,439 | 1300 |
| 2026Q1 | $188.2M | $162.6M | $124.4M | $636.5k | 12.95% | 7,404 | 1329 |
| 2025Q4 | $182.6M | $157.7M | $124.3M | $2.2M | 13.01% | 7,384 | 1345 |
| 2025Q3 | $176.1M | $151.9M | $124.4M | $1.5M | 13.12% | 7,353 | 1377 |
| 2025Q2 | $176.4M | $152.6M | $119.6M | $964.0k | 12.77% | 7,310 | 1371 |
| 2025Q1 | $174.3M | $151.5M | $116.4M | $387.0k | 12.59% | 7,285 | 1380 |
| 2024Q4 | $172.1M | $149.7M | $114.7M | $2.1M | 12.53% | 7,258 | 1376 |
| 2024Q3 | $166.4M | $144.6M | $114.1M | $1.6M | 12.69% | 7,153 | 1400 |
| 2024Q2 | $166.3M | $145.0M | $109.5M | $1.2M | 12.43% | 7,062 | 1399 |
| 2024Q1 | $167.9M | $147.3M | $106.4M | $647.1k | 11.98% | 6,996 | 1399 |
| 2023Q4 | $167.5M | $147.3M | $104.8M | $1.9M | 11.63% | 7,107 | 1389 |
| 2023Q3 | $165.5M | $145.8M | $102.1M | $1.5M | 11.57% | 7,036 | 1396 |
| 2023Q2 | $171.3M | $152.3M | $98.3M | $1.1M | 10.88% | 7,003 | 1375 |
| 2023Q1 | $172.1M | $153.5M | $92.6M | $527.7k | 10.50% | 7,035 | 1386 |
| 2022Q4 | $172.4M | $154.3M | $89.7M | $1.6M | 10.17% | 6,984 | 1369 |
| 2022Q3 | $173.0M | $155.4M | $87.7M | $1.2M | 9.92% | 6,912 | 1369 |
| 2022Q2 | $170.5M | $153.8M | $84.6M | $293.1k | 9.52% | 6,858 | 1388 |
| 2022Q1 | $169.7M | $153.1M | $83.2M | $153.8k | 9.49% | 6,827 | 1389 |
| 2021Q4 | $168.8M | $152.2M | $82.3M | $549.7k | 9.45% | 6,818 | 1382 |
| 2021Q3 | $163.7M | $147.3M | $81.0M | $419.8k | 9.66% | 6,715 | 1389 |
| 2021Q2 | $161.6M | $145.5M | $81.9M | $228.6k | 9.67% | 6,766 | 1399 |
| 2021Q1 | $155.1M | $139.0M | $81.9M | $120.8k | 10.00% | 6,766 | 1423 |
| 2020Q4 | $147.3M | $131.4M | $83.5M | $1.1M | 10.45% | 6,754 | 1419 |
| 2020Q3 | $140.8M | $125.0M | $83.0M | $840.2k | 11.47% | 6,754 | 1436 |
| 2020Q2 | $136.1M | $120.6M | $84.8M | $583.9k | 10.96% | 6,749 | 1459 |
| 2020Q1 | $127.1M | $112.0M | $86.0M | $318.0k | 11.52% | 6,748 | 1457 |
| 2019Q4 | $125.4M | $110.5M | $86.4M | $1.4M | 11.43% | 6,724 | 1438 |
| 2019Q3 | $121.5M | $107.0M | $85.6M | $1.1M | 11.54% | 6,739 | 1458 |
| 2019Q2 | $122.6M | $108.5M | $86.5M | $672.0k | 11.12% | 6,750 | 1450 |
| 2019Q1 | $120.6M | $107.0M | $83.6M | $269.6k | 10.97% | 6,749 | 1468 |
| 2018Q4 | $119.0M | $105.6M | $83.2M | $1.4M | 10.89% | 6,751 | 1453 |
| 2018Q3 | $117.0M | $104.1M | $81.7M | $1.1M | 10.79% | 6,624 | 1467 |
| 2018Q2 | $119.1M | $106.6M | $80.1M | $673.1k | 10.53% | 6,619 | 1458 |
| 2018Q1 | $119.1M | $106.9M | $80.0M | $279.5k | 10.20% | 6,587 | 1459 |
| 2017Q4 | $116.1M | $104.2M | $79.5M | $1.0M | 9.96% | 6,574 | 1457 |
| 2017Q3 | $114.5M | $102.8M | $76.3M | $770.0k | 9.86% | 6,519 | 1475 |
| 2017Q2 | $114.9M | $103.5M | $76.9M | $510.5k | 9.60% | 6,488 | 1480 |
| 2017Q1 | $112.4M | $101.3M | $75.4M | $235.5k | 9.57% | 6,466 | 1500 |
| 2016Q4 | $110.5M | $99.7M | $73.9M | $957.0k | 9.51% | 6,444 | 1486 |
| 2016Q3 | $106.9M | $96.4M | $72.7M | $728.6k | 9.78% | 6,418 | 1528 |
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