DOW
Midland, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
83,834
Net Worth Ratio
9.79%
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
$2.61B
Peer Group 6
Members
83,834
as of latest quarter
Net Worth Ratio
9.79%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$2.61B
Total Shares
$2.35B
Total Loans
$1.23B
Net Worth Ratio
9.79%
≥7% = Well Capitalized
Members
83,834
Delinquency Rate (60d+)
0.15%
$1.8M
Loan-to-share ratio: 52.2%· healthy range 60–80%
Branch Locations
NCUADow Credit Union
600 E Lyon Rd, Midland, MI, 48640-5396
M-F 7:30 a.m. - 5:30 p.m. Sat 9:00 a.m. - 1:00 p.m.
Dow Credit Union
5420 Gratiot Rd, Saginaw, MI, 48638-6056
9:00 AM - 5:00PM Monday - Friday
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/dow" target="_blank" rel="noopener">View DOW on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.