Saginaw, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
27,415
Net Worth Ratio
10.17%
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
$483.4M
Total Shares
$415.8M
Total Loans
$249.5M
Net Income
$485K
Net Worth Ratio
10.17%
≥7% = Well Capitalized
Members
27,415
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.19%
$483K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 342 | 107 | 74 | 31.3% | 21.6% |
| 2022 | 393 | 141 | 103 | 35.9% | 26.2% |
| 2021 | 636 | 297 | 119 | 46.7% | 18.7% |
No CFPB complaint data available for this credit union.
Main Office
6180 State St, Saginaw, MI, 48603
Monday - Thursday 9:00 am to 5:00 pm Friday 9:00 am to 6:00 pm Saturday 9:00 am to 1:00 pm
S Washington Ave Branch
1002 S Washington Ave, Saginaw, MI, 48601
Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am - 5:00 pm
Euclid Ave Branch
915 S Euclid Ave, Bay City, MI, 48706
Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am - 6:00 pm Saturday 9:00 am - 1:00 pm
Essexville Branch
3015 Center Ave, Essexville, MI, 48732
Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am to 6:00 pm
Midland Branch
2106 N Saginaw Rd, Midland, MI, 48640-2660
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
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<a href="https://bankscorer.com/credit-union/jolt" target="_blank" rel="noopener">View JOLT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 60.0%· healthy range 60–80%