NORTH CENTRAL AREA
Houghton Lake, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
20,236
Net Worth Ratio
11.31%
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
$269.4M
Peer Group 5
Members
20,236
as of latest quarter
Net Worth Ratio
11.31%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$269.4M
Total Shares
$239.8M
Total Loans
$191.5M
Net Income
$932K
Net Worth Ratio
11.31%
≥7% = Well Capitalized
Members
20,236
Return on Assets
0.35%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.63%
$1.2M
Loan-to-share ratio: 79.9%· healthy range 60–80%
Branch Locations
NCUAAdministration Building
2665 Reserve Rd, Houghton Lake, MI, 48629
9 a.m. - 5 p.m. M-TH 9:00 am -5:30 pm Friday
Houghton Lake Branch
2671 Reserve Rd, Houghton Lake, MI, 48629
9 a.m. - 5 p.m. M-TH 9 a.m. - 5:30 p.m. Friday
Roscommon Branch
129 Lake St, Roscommon, MI, 48653-7658
9 a.m. - 5:00 p.m. M-TH 9 a.m. - 5:30 p.m. Friday
Standish Branch
212 Court St S, Standish, MI, 48658
9-5 M-TH 9-5:30 Friday
Grayling Branch
505 Clyde St, Grayling, MI, 49738
9-5 M-TH 9-5:30 Friday
Grandville Branch
3140 Ivanrest AVE SW, Grandville, MI, 49418
9 am - 5:00 M-TH 9 am - 5:30 pm Friday
Kalamazoo Branch
1313 Portage St, Kalamazoo, MI, 49001
Monday, Wednesday and Friday from 10am-5PM
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/north-central-area" target="_blank" rel="noopener">View NORTH CENTRAL AREA on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.