OUR
Royal Oak, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
23,532
Net Worth Ratio
9.94%
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
$369.8M
Peer Group 5
Members
23,532
as of latest quarter
Net Worth Ratio
9.94%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$369.8M
Total Shares
$343.0M
Total Loans
$225.6M
Net Worth Ratio
9.94%
≥7% = Well Capitalized
Members
23,532
Delinquency Rate (60d+)
0.28%
$626K
Loan-to-share ratio: 65.8%· healthy range 60–80%
Branch Locations
NCUANormandy Office
3070 Normandy Rd, Royal Oak, MI, 48073
lobby-Mon, Tues, and Thur 9-5, Wed 10-5, Fri 9-6, Sat 9-1 Drthru-Mon-Fri 9-6, Sat 9-1
12 Mile Road Office
5625 E 12 Mile Rd, Warren, MI, 48092-2307
lobby-Mon, Tues, and Thur 9-5, Wed 10-5, Fri 9-6, Sat 9-1 Drthru-Mon-Fri 9-6, Sat 9-1
Washington Office
726 S Washington Ave, Royal Oak, MI, 48067
lobby-Mon, Tues, and Thr 9-5, Wed 10-5, Friday 9-6:00, sat 9-1
Rochester Rd
6693 Rochester Rd, Troy, MI, 48085
lobby-Mon, Tues, and Thur 9-5, Wed 10-5, Fri 9-6, Sat 9-1 Drthru-Mon-Fri 9-6, Sat 9-1
Shelby Township Office
54870 Mound Rd, Shelby Township, MI, 48316
lobby-Mon, Tues, and Thur 9-5, Wed 10-5, Fri 9-6, Sat 9-1 Drthru-Mon-Fri 9-6, Sat 9-1
Admin Site
550 Stephenson Hwy Ste 410, Troy, MI, 48083-1109
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/our" target="_blank" rel="noopener">View OUR on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.