Bay City, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
8,792
Net Worth Ratio
12.30%
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
$144.8M
Total Shares
$125.8M
Total Loans
$83.1M
Net Income
$241K
Net Worth Ratio
12.30%
≥7% = Well Capitalized
Members
8,792
Return on Assets
0.17%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.48%
$401K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 60 | 60 | 0 | 100.0% | 0.0% |
| 2022 | 93 | 92 | 0 | 98.9% | 0.0% |
| 2021 | 191 | 160 | 3 | 83.8% | 1.6% |
No CFPB complaint data available for this credit union.
Euclid Office
1199 S Euclid Ave, Bay City, MI, 48706
Lobby - M-F 9:00 am - 5:00 pm Drive Thru - M-F 8:00 am - 6:00 pm & Saturday 9:00 am - 12:30 pm
Center Office
2601 Center Ave, Bay City, MI, 48708
Lobby - 9:00am-5:00pm M-F
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<a href="https://bankscorer.com/credit-union/financialedge" target="_blank" rel="noopener">View FINANCIALEDGE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 66.0%· healthy range 60–80%