Michigan City, IN · State Credit Union · Chartered in IN
Who can join
State government employees (special charter)
Members
15,060
Net Worth Ratio
13.03%
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
$192.6M
Total Shares
$167.0M
Total Loans
$51.7M
Net Worth Ratio
13.03%
≥7% = Well Capitalized
Members
15,060
Delinquency Rate (60d+)
1.10%
$571K
Loan-to-share ratio: 30.9%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 23 | 11 | 9 | 47.8% | 39.1% |
| 2022 | 48 | 22 | 11 | 45.8% | 22.9% |
| 2021 | 80 | 40 | 13 | 50.0% | 16.3% |
No CFPB complaint data available for this credit union.
First Trust Federal Credit
950 E US Highway 20, Michigan City, IN, 46360-7470
8:00 to 5:30 Mon to Thur. 8:00 to 6:00 Fri. 9:00 to 12:00
First Trust Credit Union
402 J St, La Porte, IN, 46350
8:30 to 5:30 Mon to Thur. 8:00 to 6:00 Fri. 9:00 to 12:00 Sat.
First Trust Credit Union
1404 Lincolnway, Valparaiso, IN, 46383-5826
8:00 to 5:30 Mon to Thurs. 8:00 to 6:00 Fri. 9:00 to 12:00 Sat.
First Trust Credit Union
4259 W State Road 10, Wheatfield, IN, 46392-7007
8:30 to 5:30 Mon. to Thur. 8:30 to 6:00 Fri. 9:00 to 12:00 Sat.
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<a href="https://bankscorer.com/credit-union/first-trust" target="_blank" rel="noopener">View FIRST TRUST on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.