Institution Profile
Address: 8385 EDGEWOOD ROAD BERRIEN SPRINGS, MI 49103
(269) 983-6357
Website:
NCUA Profile:
Charter Date:
4/3/1934
Charter Type:
State
Branches:
28
Branches by Region
MI 29
Financial Overview
Total Assets
$1.81B
Total Deposits
$1.55B
Total Loans
$1.37B
Members
105,536
Employees
482 474 Full-time / 8 Part-time
Allowance for Loan Losses
$11.80M
Performance Ratios
Net Worth Ratio
12.21%
Loan-to-Deposit Ratio
88.35%
Coverage Ratio
0.86% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +73.54% Total Deposits: +77.80% Total Loans: +69.46% since 2020 Q1
Member Growth
Member Growth
Members: +21.13% since 2020 Q1
Employee Growth
Employee Growth
Employees: +43.03% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
14,356
Amount This Year (YTD)
$385.34M
Number of Loans per Quarter
Loans Granted: -24.47% since 2020 Q1
Loan Amount per Quarter
Amount Granted: -9.91% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1st Mortgages
$603.10M 44.1%
Used Vehicle
$222.18M 16.2%
HELOCs
$113.52M 8.3%
CRE: Owner-Occupied
$97.01M 7.1%
Credit Card
$68.41M 5.0%
Other Secured
$50.57M 3.7%
CRE: Non-Owner-Occupied
$46.67M 3.4%
CRE: Multifamily
$40.57M 3.0%
New Vehicle
$36.35M 2.7%
Commercial & Industrial
$29.68M 2.2%
Other Unsecured
$19.92M 1.5%
Other Real Estate
$15.02M 1.1%
Commercial Unsecured
$10.22M 0.7%
CRE: Construction
$8.35M 0.6%
CRE: Farmland
$7.03M 0.5%
Student Loans
$319,387 0.0%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 105,536 | $1.81B | $1.55B | $1.37B | 482 |
| 2025 Q3 | 107,343 | $1.79B | $1.53B | $1.38B | 491 |
| 2025 Q2 | 107,263 | $1.79B | $1.54B | $1.35B | 497 |
| 2025 Q1 | 107,305 | $1.78B | $1.54B | $1.33B | 493 |
| 2024 Q4 | 107,377 | $1.71B | $1.47B | $1.32B | 472 |
| 2024 Q3 | 107,471 | $1.71B | $1.47B | $1.31B | 474 |
| 2024 Q2 | 107,509 | $1.70B | $1.45B | $1.32B | 481 |
| 2024 Q1 | 107,387 | $1.68B | $1.42B | $1.32B | 446 |
| 2023 Q4 | 107,233 | $1.70B | $1.35B | $1.34B | 443 |
| 2023 Q3 | 111,229 | $1.68B | $1.36B | $1.34B | 434 |
| 2023 Q2 | 109,930 | $1.64B | $1.37B | $1.28B | 441 |
| 2023 Q1 | 108,869 | $1.69B | $1.39B | $1.24B | 424 |
| 2022 Q4 | 107,871 | $1.59B | $1.35B | $1.22B | 416 |
| 2022 Q3 | 105,934 | $1.56B | $1.37B | $1.15B | 397 |
| 2022 Q2 | 103,107 | $1.48B | $1.33B | $1.05B | 389 |
| 2022 Q1 | 100,809 | $1.47B | $1.32B | $968.39M | 377 |
| 2021 Q4 | 99,390 | $1.44B | $1.27B | $911.67M | 377 |
| 2021 Q3 | 95,803 | $1.38B | $1.21B | $879.83M | 358 |
| 2021 Q2 | 93,578 | $1.35B | $1.19B | $865.94M | 358 |
| 2021 Q1 | 91,815 | $1.31B | $1.15B | $854.90M | 344 |
| 2020 Q4 | 90,369 | $1.22B | $1.05B | $848.95M | 354 |
| 2020 Q3 | 89,507 | $1.17B | $1.00B | $841.76M | 335 |
| 2020 Q2 | 87,717 | $1.15B | $988.59M | $833.35M | 340 |
| 2020 Q1 | 87,129 | $1.04B | $871.39M | $807.79M | 337 |
Interest Rates
Current average rates by loan type
New Vehicle
8.65%
Used Vehicle
8.65%
1st Mortgage (Fixed)
5.27%
HELOC
7.81%
Credit Card
15.39%
Other Unsecured
15.48%