Niles, MI · Federal Credit Union · Chartered in MI
Who can join
Employer / occupational group
Members
6,094
Net Worth Ratio
8.95%
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
$117.2M
Total Shares
$105.4M
Total Loans
$79.3M
Net Income
$226K
Net Worth Ratio
8.95%
≥7% = Well Capitalized
Members
6,094
Return on Assets
0.19%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.28%
$224K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 117 | 86 | 11 | 73.5% | 9.4% |
| 2022 | 466 | 341 | 15 | 73.2% | 3.2% |
| 2021 | 608 | 413 | 24 | 67.9% | 4.0% |
No CFPB complaint data available for this credit union.
Niles Branch
507 E Main St, Niles, MI, 49120-2617
Monday, Wednesday, and Thursdays 9:00 AM - 5:00 PM EST Tuesdays 10:00 AM - 5:00 PM Fridays - main lobby 9:00 AM - 5:00 PM; dri
Cass Branch
1050 E State St, Cassopolis, MI, 49031
Monday, Wednesday, Thursday 9:00 AM - 5:00 PM Tuesday 10:00 AM to 5:00 PM Friday Lobby 9:00 AM to 5:00 PM; Drive Thru 9:00 AM
Edwardsburg Branch
68925 M-62, Edwardsburg, MI, 49112-9150
9:00 AM - 5:00 PM - Mon, Wed, Thurs, Fri 10:00 AM - 5:00 PM Tues 9:00 - 12:00 Saturday
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<a href="https://bankscorer.com/credit-union/circle" target="_blank" rel="noopener">View CIRCLE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 75.2%· healthy range 60–80%