ROUTE 31
Muskegon, MI · Federal Credit Union · Chartered in MI
Who can join
Employer / occupational group
Members
9,472
Net Worth Ratio
13.51%
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
$101.5M
Peer Group 5
Members
9,472
as of latest quarter
Net Worth Ratio
13.51%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$101.5M
Total Shares
$86.5M
Total Loans
$61.3M
Net Income
$262K
Net Worth Ratio
13.51%
≥7% = Well Capitalized
Members
9,472
Return on Assets
0.26%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.22%
$135K
Loan-to-share ratio: 70.8%· healthy range 60–80%
Branch Locations
NCUATerrace Main Office
715 Terrace St, Muskegon, MI, 49440
M, Tu, Th 9:30-5:00 W 9:30-5:00 F 9:30-6:00
Laketon Avenue Branch
1920 E Laketon Ave, Muskegon, MI, 49442
M, Tu, Th 8:30-5:00 W 9:30-5:00 F 8:30-5:30 S 9:00-12:00
Mortgage Lending (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
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/route-31" target="_blank" rel="noopener">View ROUTE 31 on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.