Credit Union Safety Analysis
Is PFCU Safe? Portland, Michigan
Based on its Q2 2026 NCUA 5300 call report, PFCU has a net worth ratio of 11.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, PFCU's net worth ratio is 11.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.29%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 1.42%
- Loan-to-share ratio (Q2 2026): 73.24%
Member deposits (shares) at PFCU are insured by the National Credit Union Share Insurance Fund (NCUSIF), which covers $250,000 per member, per credit union, per ownership category.
Context: what these ratios mean · how we score.
A health scorecard for PFCU against standard NCUA supervisory thresholds for capital, asset quality, earnings, and liquidity. Based on the Q2 2026 NCUA 5300 call report. PFCU reported $873.2M in assets and 57,165 members on its latest 5300 filing. It is based in Portland, Michigan.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher, and adequately capitalized at 6%.
Earlier filings: 11.12% for Q1 2026; 10.81% for Q2 2025.
The share of loans 60 or more days delinquent. Lower is better. NCUA sets no threshold; our reference band passes 1% or less and fails above 2%.
Earlier filings: 0.33% for Q1 2026; 0.46% for Q2 2025.
The latest quarter's net income, annualized, as a share of total assets. Sustained positive earnings build net worth. NCUA sets no threshold; our reference band passes 0.5% or more and fails below 0%.
Earlier filings: 0.91% for Q1 2026; 0.46% for Q2 2025.
Loans as a share of member deposits (shares). Very high ratios can signal tighter on-hand liquidity. NCUA sets no threshold; our reference band passes 85% or less and fails above 100%.
Earlier filings: 72.93% for Q1 2026; 71.88% for Q2 2025.
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This scorecard is an automated comparison of public NCUA 5300 figures against NCUA's net worth levels and, for delinquency, ROA and loan-to-share (where NCUA sets no threshold), BankRegReports reference bands. It is not a credit rating, an NCUA examination result, or financial advice. Member deposits at federally insured credit unions are protected by the NCUSIF up to at least $250,000 per member. See the full PFCU profile or how this data updates.
Regulator records: NCUA credit union profile (charter 68690) · FFIEC NIC profile (RSSD 607472)
Frequently asked questions
Is PFCU well capitalized?
On its Q2 2026 NCUA 5300 call report, PFCU's net worth ratio is 11.29%, above the 7% NCUA threshold for well capitalized.
Are deposits at PFCU insured?
Yes. Member deposits (shares) at PFCU are insured by the National Credit Union Share Insurance Fund (NCUSIF), which covers $250,000 per member, per credit union, per ownership category.
What are PFCU's key safety ratios?
For Q2 2026, PFCU reports net worth 11.29%, delinquency 0.37%, ROA 1.42%, loan-to-share 73.24%.
What happens to my money if PFCU fails?
NCUA pays insured shares if an insured credit union fails. Coverage is $250,000 per member, per credit union, per ownership category, backed by the full faith and credit of the United States.