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MICHIGAN UNITED

Auburn Hills, MI · State Credit Union · Chartered in MI

Well Capitalized

Who can join

State government employees (special charter)

Charter #61698Est. 1931RSSD: 35495

Members

24,056

Net Worth Ratio

11.91%

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

$346.4M

Peer Group 5

Members

24,056

as of latest quarter

Net Worth Ratio

11.91%

Well Capitalized

Institution Profile

NCUA

Address

3501 Hamlin Rd, Auburn Hills, MI 48326

Chartered

1931

Branch Locations

9 locations

Membership Eligibility

State government employees (special charter)

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$346.4M

Total Shares

$302.4M

Total Loans

$223.6M

Net Worth Ratio

11.91%

≥7% = Well Capitalized

Members

24,056

Delinquency Rate (60d+)

0.08%

$183K

Loan-to-share ratio: 73.9%· healthy range 60–80%

Branch Locations

NCUA

Auburn Hills

3501 Hamlin Rd, Auburn Hills, MI, 48326

M-Th 9am-5pm F 9am-5:30pm

Main

Holly

15156 N Holly Rd, Holly, MI, 48442-1139

M-Th 9am-5pm F 9am-5:30pm S 9am-1pm

ATMDrive-thru

Lake Orion

350 N Park Blvd, Lake Orion, MI, 48362-3150

M-Th 9:00-5:00 F 9:00-5:30 Sat 9-1

ATMDrive-thru

Shelby Township

13643 23 Mile Rd, Shelby Township, MI, 48315

M-Th 9:00-5:00 F 9:00-5:30

ATM

Waterford North

4770 Dixie Hwy, Waterford, MI, 48329

Mon-Thu 9:00-5 Fri 9:00-5:30

Drive-thru

Shores

25901 Harper Ave, Saint Clair Shores, MI, 48081-2213

M-Th 9:00-5:00 F 9:00-5:30

Drive-thru

Warren

30160 Van Dyke Ave, Warren, MI, 48093

M-Th 9:00-5:00 F 9:00-5:30

ATMDrive-thru

Birmingham

576 E Lincoln St, Birmingham, MI, 48009-1757

M-T 9am-5pm F 9am - 5:30pm

ATMDrive-thru

Waterford West

6375 Highland Rd, Waterford, MI, 48327

M-Th 9am-5pm F 9am-5:30pm

ATMDrive-thru

Mortgage Lending (HMDA)

CFPB 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

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.