FAMILY FIRST
Saginaw, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
5,405
Net Worth Ratio
9.38%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$100.5M
Peer Group 5
Members
5,405
as of latest quarter
Net Worth Ratio
9.38%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$100.5M
Total Shares
$91.7M
Total Loans
$47.3M
Net Income
$-103,355
Net Worth Ratio
9.38%
≥7% = Well Capitalized
Members
5,405
Return on Assets
-0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.41%
$667K
Loan-to-share ratio: 51.6%· healthy range 60–80%
Branch Locations
NCUASaginaw Office
1011 N Michigan Ave, Saginaw, MI, 48602-4326
Monday, Wednesday, Thursday: 9:00 a.m. to 5:00 p.m.; Tuesday: 10:00 a.m. to 5:00 p.m.; Friday: 8:30 a.m. to 6:00 p.m.
Freeland Office
6900 Midland Rd, Freeland, MI, 48623-8759
Monday, Wednesday, Thursday: 9:00 a.m. to 5:00 p.m.; Tuesday: 10:00 a.m. to 5:00 p.m.; Friday: 9:00 a.m. to 6:00 p.m.; Saturday:
Kochville Office
3550 Tittabawassee Rd, Saginaw, MI, 48604-9428
Monday, Wednesday, Thursday - 9:00 a.m. to 5:00 p.m.Tuesday - 10:00 a.m. to 5:00 p.m.Friday - 9:00 a.m. to 6:00 p.m.
Valera Shared Service Centers
615 Channelside Dr Ste 204, Tampa, FL, 33602-5406
8-5
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/family-first-mi" target="_blank" rel="noopener">View FAMILY FIRST on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.