Saginaw, MI · Federal Credit Union · Chartered in MI
Who can join
Community / multiple bond
Members
10,639
Net Worth Ratio
13.14%
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
$179.4M
Total Shares
$156.1M
Total Loans
$109.5M
Net Worth Ratio
13.14%
≥7% = Well Capitalized
Members
10,639
Delinquency Rate (60d+)
0.33%
$362K
Loan-to-share ratio: 70.1%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 70 | 64 | 2 | 91.4% | 2.9% |
| 2022 | 93 | 87 | 1 | 93.5% | 1.1% |
| 2021 | 199 | 182 | 4 | 91.5% | 2.0% |
No CFPB complaint data available for this credit union.
STATE ST OFFICE
4550 STATE ST, SAGINAW, MI, 48603
MONDAY,TUESDAY, THURSDAY 8:30 - 5:00 WEDNESDAY 9:00 - 5:00 FRIDAY 7:00 - 6:00
MICHIGAN OFFICE
1430 N MICHIGAN Ave, SAGINAW, MI, 48602-4734
MONDAY,TUESDAY & THURSDAY 8:30 - 5:00 WEDNESDAY 9:00 - 5:00 FRIDAY 7:00 - 6:00
Midland Office
5004 Eastman Ave, Midland, MI, 48640
M-F, 8-5
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<a href="https://bankscorer.com/credit-union/health-advantage" target="_blank" rel="noopener">View HEALTH ADVANTAGE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.