State overview · Q4 2025

Michigan Credit Unions

All 171 federally-insured credit unions in Michigan, ranked by financial health, from NCUA 5300 Call Reports.

Compiled by PlainCU Editorial, Credit Unions Editorial Team · May 16, 2026

171
Credit unions: 6.1M
Members: $115.4B
Combined assets: 83/100
Avg health

Health-score distribution

How Michigan's 171 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

All Credit Unions in Michigan

Credit Union	Health	Assets	Members	Net Worth %
Soo Co-op Sault Sainte Ma	99	$313M	25K	12.5%
Lake Michigan Grand Rapids	97	$16.0B	523K	11.5%
Monroe Community Monroe	96	$393M	32K	10.5%
Aac Grand Rapids	95	$206M	15K	23.6%
Alliance Catholic Farmington Hill	95	$672M	33K	11.1%
Breakwater HOUGHTON	95	$135M	10K	11.6%
Filer Manistee	95	$254M	13K	12.5%
Frankenmuth Frankenmuth	95	$1.5B	77K	9.7%
H.p.c. ALPENA	95	$159M	8K	14.3%
Kellogg Community BATTLE CREEK	95	$962M	51K	16.5%
Lenco Adrian	95	$140M	8K	12.0%
Settlers BRUCE CROSSING	95	$36M	4K	19.4%
Alpena-alcona Area Alpena	94	$931M	49K	10.8%
Baraga County LANSE	94	$61M	5K	10.2%
Harborlight WHITEHALL	94	$162M	12K	11.3%
St. Francis X Petoskey	94	$259M	10K	13.7%
Thornapple Hastings	94	$74M	8K	9.8%
Tlc Community Adrian	94	$920M	57K	14.4%
Adventure Grand Rapids	93	$629M	38K	10.3%
Christian Financial Sterling Height	93	$1.1B	62K	7.3%
Farm Bureau Family LANSING	93	$25M	2K	12.6%
Lake Superior ONTONAGON	93	$11M	1K	12.8%
Michigan Schools and Government Clinton Townshi	93	$4.3B	161K	11.9%
Dort Financial GRAND BLANC	92	$2.3B	120K	10.7%
Dow Midland	92	$2.6B	84K	10.0%
Forest Area Fife Lake	92	$310M	21K	12.3%
Genisys AUBURN HILLS	92	$6.2B	296K	15.4%
Kalsee Kalamazoo	92	$291M	22K	10.1%
Meijer GRAND RAPIDS	92	$116M	15K	9.8%
Omni Community Battle Creek	92	$629M	47K	16.3%
Circle Niles	91	$116M	6K	8.8%
Consumers Oshtemo	91	$2.7B	152K	9.4%
Dowagiac Area DOWAGIAC	91	$25M	2K	10.7%
I.m. Detroit District DETROIT	91	$2M	65	29.2%
Kenowa Community WYOMING	91	$31M	3K	15.4%
Lincoln Park Community Lincoln Park	91	$61M	3K	18.3%
Northland Area Alpena	91	$711M	46K	9.3%
United Financial Saginaw	91	$343M	22K	9.7%
Credit Union One Ferndale	90	$1.8B	108K	9.4%
Gratiot Community Alma	90	$59M	7K	8.6%
Pfcu Portland	90	$835M	57K	7.7%
Service 1 Muskegon	90	$195M	22K	17.2%
Awakon ONAWAY	89	$197M	15K	13.2%
Dfcu Financial Dearborn	89	$7.8B	242K	12.0%
Gr Consumers Wyoming	89	$51M	3K	16.9%
Journey SAINT JOHNS	89	$184M	17K	10.0%
Loc Farmington	89	$467M	28K	9.2%
Marquette Community Marquette	89	$113M	8K	14.3%
Michigan One Community Ionia	89	$232M	19K	10.0%
Muskegon MUSKEGON	89	$77M	5K	11.2%
Preferred Grand Rapids	89	$308M	24K	12.6%
Tri-cities Grand Haven	89	$51M	4K	13.6%
West Michigan Postal Service MUSKEGON	89	$7M	808	12.7%
Family Financial Norton Shores	88	$165M	17K	11.6%
Our Royal Oak	88	$360M	24K	9.2%
River Valley Ada	88	$120M	9K	12.1%
Route 31 Muskegon	88	$98M	10K	13.8%
Tba TRAVERSE CITY	88	$378M	21K	14.6%
Ukrainian Selfreliance Michigan Warren	88	$138M	4K	13.3%
United St Joseph	88	$4.2B	190K	11.7%
Wmcu Grand Rapids	88	$442M	30K	11.2%
Advia Kalamazoo	87	$3.9B	197K	8.2%
Aeroquip JACKSON	87	$51M	4K	13.7%
Cornerstone Community Financial Auburn Hills	87	$467M	26K	10.5%
Elga Grand Blanc	87	$1.8B	109K	14.2%
Financialedge Bay City	87	$140M	9K	12.6%
Gerber Fremont	87	$251M	16K	9.5%
Isabella Community MT Pleasant	87	$221M	13K	9.5%
Lakeshore Muskegon	87	$45M	3K	11.7%
Manistique MANISTIQUE	87	$43M	3K	15.4%
Marshall Community Marshall	87	$361M	16K	16.6%
Peninsula Escanaba	87	$352M	18K	8.6%
Traverse Catholic TRAVERSE CITY	87	$91M	7K	9.8%
University of Michigan Ann Arbor	87	$1.4B	122K	10.5%
Advantage One Brownstown	86	$257M	18K	11.7%
Alpena Community Alpena	86	$35M	2K	13.6%
Auto-owners Associates LANSING	86	$42M	3K	18.5%
Embers Marquette	86	$584M	32K	7.4%
Health Advantage SAGINAW	86	$176M	11K	13.1%
Jolt SAGINAW	86	$472M	28K	9.2%
Michigan Columbus Livonia	86	$74M	5K	10.5%
People Driven Southfield	86	$497M	25K	8.0%
Wayne-westland Westland	86	$155M	11K	10.8%
Blue Water PORT HURON	85	$19M	1K	15.2%
Compass Sparta	85	$98M	8K	9.4%
Consumers Professional LANSING	85	$145M	7K	13.2%
Extra WARREN	85	$336M	19K	17.0%
Honor BERRIEN SPRINGS	85	$1.8B	106K	11.2%
Arbor Financial KALAMAZOO	84	$914M	47K	10.0%
Community First LAKEVIEW	84	$147M	14K	8.2%
Construction BINGHAM FARMS	84	$32M	1K	11.0%
Intandem Grand Rapids	84	$72M	5K	11.0%
Iron Mountain Kingsford Community KINGSFORD	84	$145M	10K	17.6%
Lafcu LANSING	84	$1.1B	73K	19.8%
Limestone Financial Manistique	84	$80M	5K	10.9%
Michigan Educational Plymouth	84	$1.1B	48K	11.7%
Public Service Romulus	84	$452M	32K	10.1%
Rock Community Rock	84	$9M	829	8.7%
Chief Financial Rochester Hills	83	$248M	21K	7.6%
Detour Drummond Community DRUMMOND ISLAND	83	$39M	2K	17.5%
Graco Alma	83	$34M	3K	10.2%
Michigan Legacy Wyandotte	83	$213M	19K	11.8%
Parda Auburn Hills	83	$210M	15K	12.4%
Polish-american Troy	83	$183M	7K	13.0%
South Central JACKSON	83	$85M	7K	13.6%
Team One SAGINAW	83	$765M	47K	8.3%
Trunorth Ishpeming	83	$197M	15K	9.8%
Warren Municipal Warren	83	$20M	1K	10.0%
Wolverine State Alpena	83	$166M	10K	8.6%
Gogebic County BESSEMER	82	$38M	4K	16.3%
Great Lakes First ESCANABA	82	$102M	7K	10.2%
Northwest Consumers TRAVERSE CITY	82	$26M	2K	18.5%
Safe Harbor Ludington	82	$182M	9K	9.2%
Walled Lake Schools Wolverine Lake	82	$137M	5K	14.1%
American 1 JACKSON	81	$658M	67K	14.3%
Case Lansing	81	$396M	27K	10.9%
Chiropractic FARMINGTON	81	$41M	3K	14.7%
Diversified Members Detroit	81	$581M	31K	14.8%
Freestar Financial Mount Clemens	81	$339M	22K	7.1%
Michigan First Lathrup Village	81	$1.5B	163K	12.8%
Port City MUSKEGON	81	$42M	3K	11.9%
Sunrise Family Bay City	81	$128M	11K	9.4%
Zeal Livonia	81	$878M	65K	20.8%
Integra First Powers	80	$133M	11K	9.1%
Members First Midland	80	$901M	67K	7.0%
True Community Jackson	80	$933M	82K	9.4%
Wexford Community Cadillac	80	$84M	8K	9.3%
Electrical Workers Local 58 DETROIT	79	$21M	2K	11.5%
Great Lakes Bay City	79	$60M	4K	9.5%
Lake Trust Brighton	79	$2.8B	179K	7.5%
The Local Sterling Height	79	$105M	10K	15.6%
Total Community TAYLOR	79	$107M	6K	14.9%
Community Choice Farmington Hill	78	$2.0B	115K	6.5%
Michigan United Auburn Hills	78	$336M	24K	5.1%
Security GRAND BLANC	78	$638M	54K	6.5%
U.p. State Escanaba	78	$207M	14K	7.8%
Northern Lights Community Chatham	77	$13M	1K	8.0%
Shore to Shore Community Trenton	77	$82M	5K	11.6%
Community Focus Brownstown	76	$66M	5K	14.5%
Downriver Community Ecorse	76	$189M	12K	9.3%
Community Financial PLYMOUTH	75	$1.5B	84K	9.6%
Country Heritage BUCHANAN	75	$53M	1K	18.1%
Frankfort Community FRANKFORT	75	$17M	2K	14.8%
Michigan State University East Lansing	75	$8.4B	397K	8.4%
North Central Area Houghton Lake	75	$261M	20K	8.0%
A.b.d. WARREN	73	$68M	6K	15.1%
Grand Trunk Battle Creek Emp BATTLE CREEK	73	$39M	3K	20.5%
Vibe Novi	73	$1.4B	75K	6.4%
Best Financial MUSKEGON	72	$143M	13K	15.8%
Lake Huron Saginaw	72	$80M	6K	14.5%
Wildfire Saginaw	72	$1.2B	50K	4.3%
Community West Kentwood	71	$249M	18K	7.4%
Straits Area Cheboygan	71	$128M	12K	11.5%
4front Traverse City	70	$1.0B	104K	7.5%
Westacres WEST BLOOMFIELD	70	$7M	569	7.5%
Tahquamenon Area Newberry	69	$68M	5K	12.1%
Montcalm Public Employees EDMORE	68	$26M	2K	16.8%
One Detroit Detroit	68	$63M	12K	21.3%
Flagship Community Port Huron	66	$34M	3K	5.6%
United Bay Community Bay City	65	$297M	19K	3.1%
Family First SAGINAW	64	$100M	5K	9.5%
International Uaw DETROIT	64	$22M	2K	13.9%
Financial Plus Flint	63	$1.6B	81K	0.4%
Ignite Battle Creek	63	$371M	30K	5.0%
United Churches Taylor	62	$21M	1K	6.8%
First Area SAGINAW	61	$39M	3K	10.4%
Tandem Warren	61	$22M	2K	16.3%
Muskegon St Joseph MUSKEGON	58	$13M	1K	9.9%
Sovita Flint	58	$576M	18K	1.0%
Michigan Coastal Muskegon	53	$26M	2K	8.1%
Southeast Michigan State Employees West Bloomfield	53	$51M	3K	11.3%

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Michigan

Michigan is home to 171 federally-insured credit unions collectively serving 6.1M members with $115.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 83/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Soo Co-op of Sault Sainte Ma currently leads the cohort with a health score of 99/100, while the full distribution spans 171 institutions ranked below.

The health distribution breaks into four bands: 127 credit unions score 80–100 (Excellent), 40 score 60–79 (Good), 4 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Michigan's 171 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

Frequently Asked Questions

How many credit unions are in Michigan?

There are 171 federally-insured credit unions in Michigan as of Q4 2025, with a combined 6.1M members and $115.4B in total assets. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Michigan?

Based on NCUA Q4 2025 data, Soo Co-op in Sault Sainte Ma ranks highest in Michigan with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Read our methodology - how this data is sourced, computed, and verified.