Institution Profile
Address: PO Box 1649 Midland, MI 48641-1649
(989) 835-7794
Website:
NCUA Profile:
Charter Date:
1/1/1937
Charter Type:
State
Branches:
2
Branches by Region
MI 2
Financial Overview
Total Assets
$2.62B
Total Deposits
$2.35B
Total Loans
$1.23B
Members
83,961
Employees
198 176 Full-time / 22 Part-time
Allowance for Loan Losses
$14.93M
Performance Ratios
Net Worth Ratio
10.07%
Loan-to-Deposit Ratio
52.41%
Coverage Ratio
1.21% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Projected Assets
Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters
Projected Assets
Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters
Projected Assets (12 Quarters)
1Y CAGR Scenario: +5.87% 2Y CAGR Scenario: +6.07% 3Y CAGR Scenario: +7.23%
Member Growth
Member Growth
Employee Growth
Employee Growth
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
5,841
Amount This Year (YTD)
$232.18M
Number of Loans per Quarter
Loan Amount per Quarter
Loan Portfolio Breakdown
Current outstanding balances by loan type
1st Mortgages
$532.79M 43.3%
Used Vehicle
$347.19M 28.2%
Other Secured
$130.59M 10.6%
New Vehicle
$72.91M 5.9%
HELOCs
$72.72M 5.9%
Credit Card
$41.50M 3.4%
Other Unsecured
$29.07M 2.4%
CRE: Non-Owner-Occupied
$2.34M 0.2%
Student Loans
$1.66M 0.1%
CRE: Owner-Occupied
$483,663 0.0%
CRE: Multifamily
$344,217 0.0%
Other Real Estate
$26,351 0.0%
Portfolio Distribution
Net Income Trend
Net Income Trend
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2026 Q2 | 83,961 | $2.62B | $2.35B | $1.23B | 198 |
| 2026 Q1 | 83,834 | $2.61B | $2.35B | $1.23B | 191 |
| 2025 Q4 | 83,732 | $2.55B | $2.27B | $1.25B | 193 |
| 2025 Q3 | 83,478 | $2.49B | $2.22B | $1.23B | 192 |
| 2025 Q2 | 83,313 | $2.48B | $2.22B | $1.25B | 186 |
| 2025 Q1 | 82,924 | $2.47B | $2.23B | $1.25B | 182 |
| 2024 Q4 | 82,706 | $2.39B | $2.16B | $1.29B | 185 |
| 2024 Q3 | 82,348 | $2.34B | $2.09B | $1.25B | 180 |
| 2024 Q2 | 82,019 | $2.33B | $2.11B | $1.24B | 184 |
| 2024 Q1 | 81,637 | $2.31B | $2.10B | $1.24B | 182 |
| 2023 Q4 | 80,993 | $2.20B | $1.98B | $1.23B | 182 |
| 2023 Q3 | 79,832 | $2.14B | $1.90B | $1.18B | 179 |
| 2023 Q2 | 78,825 | $2.13B | $1.89B | $1.15B | 172 |
| 2023 Q1 | 78,225 | $2.14B | $1.94B | $1.15B | 170 |
| 2022 Q4 | 77,541 | $2.12B | $1.90B | $1.15B | 172 |
| 2022 Q3 | 77,228 | $2.13B | $1.93B | $1.16B | 170 |
| 2022 Q2 | 76,436 | $2.17B | $1.97B | $1.15B | 173 |
| 2022 Q1 | 75,476 | $2.23B | $2.02B | $1.10B | 168 |
| 2021 Q4 | 74,484 | $2.16B | $1.91B | $1.08B | 162 |
| 2021 Q3 | 73,719 | $2.12B | $1.87B | $1.06B | 166 |
| 2021 Q2 | 72,814 | $2.12B | $1.88B | $1.03B | 162 |
| 2021 Q1 | 71,932 | $2.13B | $1.89B | $1.01B | 153 |
| 2020 Q4 | 71,204 | $2.00B | $1.75B | $1.00B | 150 |
| 2020 Q3 | 70,593 | $1.93B | $1.69B | $1.00B | 152 |
| 2020 Q2 | 70,026 | $1.91B | $1.67B | $1.00B | 150 |
| 2020 Q1 | 69,670 | $1.80B | $1.58B | $1.00B | 152 |
Interest Rates
Current average rates by loan type
New Vehicle
5.74%
Used Vehicle
5.49%
1st Mortgage (Fixed)
8.00%
HELOC
6.50%
Credit Card
10.49%
Other Unsecured
8.25%