Kalamazoo, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
47,329
Net Worth Ratio
10.34%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
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.
Total Assets
$905.3M
Total Shares
$778.4M
Total Loans
$679.5M
Net Income
$1.4M
Net Worth Ratio
10.34%
≥7% = Well Capitalized
Members
47,329
Return on Assets
0.16%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.09%
$7.4M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 1,220 | 789 | 110 | 64.7% | 9.0% |
| 2022 | 1,862 | 1,344 | 119 | 72.2% | 6.4% |
| 2021 | 2,554 | 1,920 | 91 | 75.2% | 3.6% |
No CFPB complaint data available for this credit union.
Main Office
1551 S 9TH ST, KALAMAZOO, MI, 49009-9404
Monday - Thursday 9:00 AM to 5:00 PMFriday 9:00 AM to 6:00 PM Saturday 9:00 AM to 1:00 PM
Kalamazoo Office
5991 GULL RD, KALAMAZOO, MI, 49048-4013
Monday - Thursday 9:00 AM thru 5:00 PM Friday 9:00 AM thru 6:00 PMSaturday 9:00 AM thru 1:00 PM
Centre Ave Office
2019 W CENTRE AVE, PORTAGE, MI, 49024-4815
Monday - Friday 9:00 AM thru 5:00 PM Saturday 9:00 AM to 12:00 PM
Three Rivers Office
811 W MICHIGAN AVE, THREE RIVERS, MI, 49093-2134
Monday - Thursday 9:00 AM thru 5:00 PMFriday 9:00 AM thru 6:00 PM Saturday 9:00 AM to 1:00 PM
Paw Paw Office
315 E SAINT JOSEPH ST, PAW PAW, MI, 49079-1547
Monday - Thursday 9:00 AM thru 5:00 PMFriday 9:00 AM thru 6:00 PMSaturday 9:00 AM thru 1:00 PM
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<a href="https://bankscorer.com/credit-union/arbor-financial" target="_blank" rel="noopener">View ARBOR FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 87.3%· healthy range 60–80%
Gull Road
5991 GULL RD, KALAMAZOO, MI, 49048-4013
9 a.m. to 5 p.m.
Lawrence
701 S PAW PAW ST, LAWRENCE, MI, 49064-9507
Monday - Friday, 9-5
Otsego-Plainwell Office
1389 M-89, OTSEGO, MI, 49078
Mon - Thu 9:00-5:00Fri 9:00-6:00Sat 9:00-1:00
Portage Road Office
8910 PORTAGE RD, PORTAGE, MI, 49002-6420
OfficeMonday through Friday 9:00-5:00Saturday 9:00-12:00Drive-thruMonday through Thursday 9:00-5:00Friday 9:00-6:00Saturday 9:00-1:00
Westnedge Ave Office
5250 S WESTNEDGE AVE, PORTAGE, MI, 49002-0405
Monday - Thursday 9:00 AM thru 5:00 PM Friday 9:00 AM thru 6:00 PMSaturday 9:00 AM thru 1:00 PM
3 more locations not shown.