Construction Federal Credit Union Bingham Farms, Michigan
Also written as Construction FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
Construction Federal Credit Union is a federal credit union headquartered in Bingham Farms, MI, established in 1974 (NCUA charter 21798), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,173 members and total assets of $26.4M (up 7.0% from Q2 2025), the 152nd largest of 169 credit unions headquartered in Michigan. Its net worth ratio was 13.57% at Q2 2026, in the well capitalized band (NCUA's well capitalized line is 7%).
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21798
- Headquarters
- Bingham Farms, MI
- Established
- 1974
- Total assets, Q2 2026
- $26.4M
- Assets vs Q2 2025
- +7.0%
- Members, Q2 2026
- 1,173
- Net worth ratio, Q2 2026
- 13.57%
- Latest call report
- Q2 2026, NCUA 5300 · Construction Federal Credit Union call report
- Asset rank in state
- 152nd of 169 in Michigan
- Routing number
- 272478130
- Branches
- 1
It has 7 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was down 0.54 percentage points from 14.11% on June 30, 2025.
Credit unions similar in size in Michigan
Frequently asked about Construction Federal Credit Union
How big is Construction Federal Credit Union?
At Q2 2026 it reported total assets of $26.4M and 1,173 members.
Where is Construction Federal Credit Union headquartered?
It is headquartered in Bingham Farms, MI, United States.
When was Construction Federal Credit Union founded?
It was established in 1974, per NCUA records.
Is Construction Federal Credit Union federally insured?
Yes. It files the NCUA 5300 call report as a federally insured credit union (NCUA charter 21798). Member shares 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.
Who regulates Construction Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Construction Federal Credit Union well capitalized?
Its net worth ratio was 13.57% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Construction Federal Credit Union's delinquency ratio?
Its delinquency ratio was 5.71% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Construction Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.19% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bingham Farms, MI 48025
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 21798
- RSSD ID
- 99983
- Members
- 1,173
- Potential members
- 10,500
Size & Membership
Profitability
Q2 annualizedROA, ROE and net interest margin are the quarter's own income, annualized. NCUA's Financial Performance Report annualizes the year to date instead, so after the first quarter its figures differ from ours. Where the 5300 for this quarter and the prior year-end is served, the year-to-date value on NCUA's basis is shown beside each as YTD, over the average of this quarter's and the prior year-end balances. NCUA publishes no ROE; ours uses the same year-to-date basis over average net worth.
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.57% | 14.31% | 44th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.59% | 0.72% | 44th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.38% | 4.74% | 48th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.85% | 3.93% | 13th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.06% | 79.83% | 47th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.84% | 0.78% | 47th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 5.71% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.69% | 4.70% | 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.19% | 58.92% | 77th position only |
Quarterly trends
Last 6 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 6 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from the credit union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.57% | 0.59% | 5.71% | 77.19% |
| March 31, 2026 | 10.50% | 0.31% | 0.10% | 59.08% |
| December 31, 2025 | 11.05% | 0.39% | 0.04% | 65.69% |
| September 30, 2025 | 14.93% | 0.10% | 0.10% | 94.00% |
| June 30, 2025 | 14.11% | 0.07% | 0.11% | 88.41% |
| March 31, 2025 | 13.61% | 0.00% | 0.17% | 84.39% |
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Watch flags
Automated conditions triggered on this credit union's latest NCUA 5300 filing. Advisory only, not a prediction. Each flag is tagged Regulatory when it cites an official NCUA threshold, or BRR analysis when it's our own band.
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.