credit union · NCUA 68631 · MI
How big is COMMUNITY FINANCIAL?
COMMUNITY FINANCIAL (MI, NCUA charter 68631) reported total assets of $1.5B, 86,714 members and a net worth ratio of 9.81% in its Call Report for 2026Q2. That ranks 340 of 4,299 federally insured credit unions by assets, 315 of 454 among credit unions with $1b-$10b in assets, 20 of 169 credit unions in michigan.
What stands out
COMMUNITY FINANCIAL (MI, NCUA charter 68631) reported total assets of $1.5B, 86,714 members and a net worth ratio of 9.81% in its Call Report for 2026Q2. That ranks 340 of 4,299 federally insured credit unions by assets, 315 of 454 among credit unions with $1b-$10b in assets, 20 of 169 credit unions in michigan. Against its size class: net worth ratio 9.81%, below the peer median of 10.89%; loan-to-share ratio 98.61%, above the peer median of 88.03%; return on assets 0.04%, below the peer median of 0.80%. At 9.81% 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 | $1.5B | $2.1B | $186.5M | $68.3M | record → |
| Shares and deposits | $1.3B | $1.8B | $160.8M | $58.3M | record → |
| Loans outstanding | $1.3B | $1.5B | $115.9M | $34.4M | record → |
| Net income (year to date) | $258.4k | $8.3M | $792.8k | $222.2k | record → |
| Net worth | $144.6M | $244.6M | $22.8M | $9.0M | record → |
| Net worth ratio | 9.81% | 10.89% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 98.61% | 88.03% | 68.71% | 68.70% | computed |
| Return on assets | 0.04% | 0.80% | 0.92% | 0.71% | computed |
| Members | 86,714 | 115,183 | 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 | $1.5B | $1.3B | $1.3B | $258.4k | 9.81% | 86,714 | 340 |
| 2026Q1 | $1.5B | $1.3B | $1.2B | $-173.4k | 10.06% | 86,442 | 337 |
| 2025Q4 | $1.5B | $1.3B | $1.3B | $871.2k | 10.22% | 83,834 | 326 |
| 2025Q3 | $1.5B | $1.3B | $1.3B | $3.2M | 10.52% | 83,545 | 322 |
| 2025Q2 | $1.5B | $1.3B | $1.3B | $2.2M | 10.33% | 83,668 | 319 |
| 2025Q1 | $1.5B | $1.4B | $1.4B | $599.8k | 9.97% | 83,992 | 309 |
| 2024Q4 | $1.6B | $1.4B | $1.4B | $544.0k | 9.78% | 83,996 | 299 |
| 2024Q3 | $1.5B | $1.4B | $1.4B | $-250.1k | 9.93% | 84,060 | 306 |
| 2024Q2 | $1.6B | $1.4B | $1.4B | $-1.7M | 9.49% | 83,819 | 296 |
| 2024Q1 | $1.6B | $1.4B | $1.5B | $-834.0k | 9.46% | 84,109 | 296 |
| 2023Q4 | $1.6B | $1.3B | $1.5B | $4.0M | 9.75% | 83,566 | 295 |
| 2023Q3 | $1.6B | $1.4B | $1.5B | $3.9M | 9.25% | 83,733 | 286 |
| 2023Q2 | $1.6B | $1.4B | $1.5B | $2.5M | 9.49% | 83,405 | 286 |
| 2023Q1 | $1.6B | $1.4B | $1.5B | $1.8M | 9.72% | 82,563 | 292 |
| 2022Q4 | $1.5B | $1.3B | $1.4B | $9.8M | 9.93% | 80,634 | 295 |
| 2022Q3 | $1.4B | $1.1B | $1.3B | $7.6M | 10.52% | 87,311 | 311 |
| 2022Q2 | $1.3B | $1.1B | $1.2B | $4.9M | 11.07% | 85,550 | 329 |
| 2022Q1 | $1.3B | $1.1B | $1.2B | $2.4M | 11.34% | 84,531 | 341 |
| 2021Q4 | $1.3B | $1.1B | $1.1B | $12.4M | 11.36% | 83,565 | 341 |
| 2021Q3 | $1.2B | $1.1B | $1.1B | $9.0M | 11.32% | 82,856 | 342 |
| 2021Q2 | $1.2B | $1.1B | $1.1B | $4.8M | 11.03% | 81,726 | 339 |
| 2021Q1 | $1.2B | $1.0B | $1.1B | $1.8M | 10.97% | 81,136 | 344 |
| 2020Q4 | $1.2B | $975.3M | $1.0B | $9.4M | 11.20% | 80,177 | 336 |
| 2020Q3 | $1.1B | $949.2M | $1.0B | $6.8M | 11.15% | 79,417 | 327 |
| 2020Q2 | $1.1B | $936.8M | $962.9M | $-519.0k | 10.71% | 78,056 | 329 |
| 2020Q1 | $1.0B | $849.9M | $957.9M | $-4.3M | 11.12% | 77,742 | 330 |
| 2019Q4 | $1.0B | $809.0M | $945.4M | $7.7M | 11.89% | 77,024 | 326 |
| 2019Q3 | $998.3M | $790.1M | $927.6M | $5.3M | 11.84% | 76,001 | 323 |
| 2019Q2 | $977.8M | $783.2M | $902.0M | $3.2M | 11.87% | 74,697 | 328 |
| 2019Q1 | $949.2M | $755.5M | $879.4M | $1.6M | 12.06% | 74,059 | 339 |
| 2018Q4 | $932.0M | $721.3M | $867.6M | $8.7M | 12.11% | 73,059 | 329 |
| 2018Q3 | $909.5M | $714.3M | $846.8M | $6.0M | 12.13% | 72,133 | 335 |
| 2018Q2 | $894.7M | $717.7M | $834.7M | $3.9M | 12.08% | 71,094 | 342 |
| 2018Q1 | $877.1M | $706.0M | $803.6M | $1.6M | 12.07% | 70,418 | 343 |
| 2017Q4 | $856.8M | $655.2M | $793.3M | $8.9M | 12.17% | 69,212 | 345 |
| 2017Q3 | $827.9M | $646.0M | $769.9M | $6.4M | 12.29% | 68,201 | 348 |
| 2017Q2 | $798.1M | $647.6M | $741.1M | $4.1M | 12.46% | 67,199 | 358 |
| 2017Q1 | $790.9M | $643.0M | $722.8M | $1.7M | 12.27% | 66,464 | 355 |
| 2016Q4 | $766.1M | $608.8M | $711.2M | $7.6M | 12.44% | 65,545 | 359 |
| 2016Q3 | $750.9M | $593.3M | $694.5M | $5.4M | 12.40% | 64,634 | 362 |
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