credit union · NCUA 61953 · MI
How big is NORTH CENTRAL AREA?
NORTH CENTRAL AREA (MI, NCUA charter 61953) reported total assets of $271.7M, 20,640 members and a net worth ratio of 11.55% in its Call Report for 2026Q2. That ranks 1099 of 4,299 federally insured credit unions by assets, 340 of 1,061 among credit unions with $100m-$500m in assets, 67 of 169 credit unions in michigan.
What stands out
NORTH CENTRAL AREA (MI, NCUA charter 61953) reported total assets of $271.7M, 20,640 members and a net worth ratio of 11.55% in its Call Report for 2026Q2. That ranks 1099 of 4,299 federally insured credit unions by assets, 340 of 1,061 among credit unions with $100m-$500m in assets, 67 of 169 credit unions in michigan. Against its size class: net worth ratio 11.55%, below the peer median of 11.65%; loan-to-share ratio 85.17%, above the peer median of 73.15%; return on assets 1.36%, above the peer median of 0.74%. At 11.55% 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 | $271.7M | $198.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $240.0M | $172.3M | $160.8M | $58.3M | record → |
| Loans outstanding | $204.4M | $125.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $1.8M | $766.3k | $792.8k | $222.2k | record → |
| Net worth | $31.4M | $24.5M | $22.8M | $9.0M | record → |
| Net worth ratio | 11.55% | 11.65% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 85.17% | 73.15% | 68.71% | 68.70% | computed |
| Return on assets | 1.36% | 0.74% | 0.92% | 0.71% | computed |
| Members | 20,640 | 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 | $271.7M | $240.0M | $204.4M | $1.8M | 11.55% | 20,640 | 1099 |
| 2026Q1 | $269.4M | $239.8M | $191.5M | $932.2k | 11.31% | 20,236 | 1097 |
| 2025Q4 | $260.8M | $232.6M | $186.0M | $3.3M | 11.25% | 20,029 | 1110 |
| 2025Q3 | $256.3M | $228.7M | $183.8M | $2.6M | 11.12% | 19,635 | 1115 |
| 2025Q2 | $254.8M | $227.9M | $177.4M | $1.7M | 10.84% | 19,423 | 1120 |
| 2025Q1 | $245.4M | $221.0M | $165.6M | $764.6k | 10.86% | 20,635 | 1147 |
| 2024Q4 | $241.7M | $216.0M | $161.3M | $3.0M | 10.71% | 20,496 | 1144 |
| 2024Q3 | $236.4M | $209.9M | $156.7M | $2.4M | 10.71% | 20,309 | 1162 |
| 2024Q2 | $232.0M | $206.8M | $149.9M | $1.8M | 10.67% | 20,137 | 1171 |
| 2024Q1 | $228.4M | $205.5M | $146.1M | $699.9k | 10.36% | 19,948 | 1185 |
| 2023Q4 | $223.7M | $201.2M | $145.9M | $2.8M | 10.27% | 19,838 | 1188 |
| 2023Q3 | $226.3M | $205.3M | $140.3M | $2.3M | 9.95% | 19,762 | 1175 |
| 2023Q2 | $163.6M | $155.9M | $77.0M | $656.5k | 8.35% | 14,664 | 1413 |
| 2023Q1 | $164.8M | $157.1M | $72.1M | $-195.4k | 8.08% | 14,691 | 1420 |
| 2022Q4 | $165.9M | $159.0M | $71.2M | $951.0k | 7.85% | 14,717 | 1400 |
| 2022Q3 | $171.4M | $165.2M | $67.1M | $471.7k | 7.33% | 15,424 | 1379 |
| 2022Q2 | $172.6M | $164.6M | $61.5M | $173.7k | 7.10% | 14,686 | 1374 |
| 2022Q1 | $172.5M | $163.2M | $56.1M | $38.7k | 7.03% | 14,589 | 1377 |
| 2021Q4 | $172.4M | $159.9M | $54.5M | $-19.7k | 7.01% | 14,624 | 1360 |
| 2021Q3 | $168.2M | $155.4M | $52.7M | $-85.4k | 7.14% | 14,606 | 1372 |
| 2021Q2 | $163.1M | $149.9M | $50.3M | $-204.3k | 7.29% | 14,537 | 1384 |
| 2021Q1 | $158.9M | $146.1M | $47.8M | $-152.5k | 7.52% | 14,704 | 1404 |
| 2020Q4 | $144.9M | $130.3M | $46.3M | $229.1k | 8.35% | 15,879 | 1430 |
| 2020Q3 | $137.9M | $123.9M | $46.8M | $90.9k | 8.66% | 16,458 | 1454 |
| 2020Q2 | $135.0M | $121.0M | $47.6M | $44.3k | 8.82% | 16,479 | 1467 |
| 2020Q1 | $121.0M | $107.3M | $49.1M | $67.7k | 9.86% | 16,482 | 1508 |
| 2019Q4 | $119.3M | $106.6M | $51.2M | $466.3k | 9.94% | 16,496 | 1498 |
| 2019Q3 | $117.9M | $104.9M | $52.2M | $305.5k | 9.93% | 16,699 | 1490 |
| 2019Q2 | $120.0M | $107.2M | $52.7M | $186.0k | 9.66% | 16,541 | 1474 |
| 2019Q1 | $120.1M | $108.2M | $51.6M | $37.0k | 9.53% | 16,557 | 1470 |
| 2018Q4 | $116.8M | $105.8M | $53.9M | $524.5k | 9.76% | 16,577 | 1472 |
| 2018Q3 | $118.3M | $107.8M | $54.4M | $359.7k | 9.49% | 16,524 | 1458 |
| 2018Q2 | $117.0M | $107.1M | $52.1M | $208.7k | 9.47% | 16,375 | 1473 |
| 2018Q1 | $116.7M | $106.7M | $51.2M | $13.8k | 9.33% | 15,054 | 1472 |
| 2017Q4 | $113.3M | $102.6M | $50.8M | $437.2k | 9.60% | 14,953 | 1478 |
| 2017Q3 | $114.3M | $102.8M | $49.5M | $386.3k | 9.47% | 15,034 | 1476 |
| 2017Q2 | $113.9M | $102.4M | $48.4M | $194.9k | 9.33% | 14,982 | 1484 |
| 2017Q1 | $114.3M | $104.0M | $48.5M | $-86.3k | 9.05% | 15,034 | 1478 |
| 2016Q4 | $110.8M | $100.5M | $49.5M | $227.0k | 9.42% | 15,134 | 1483 |
| 2016Q3 | $112.4M | $100.9M | $51.1M | $166.1k | 9.23% | 15,491 | 1473 |
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