Saginaw, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
46,852
Net Worth Ratio
9.69%
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
$767.4M
Total Shares
$683.7M
Total Loans
$509.0M
Net Worth Ratio
9.69%
≥7% = Well Capitalized
Members
46,852
Delinquency Rate (60d+)
0.56%
$2.8M
Loan-to-share ratio: 74.5%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 323 | 259 | 31 | 80.2% | 9.6% |
| 2022 | 408 | 315 | 25 | 77.2% | 6.1% |
| 2021 | 640 | 548 | 30 | 85.6% | 4.7% |
No CFPB complaint data available for this credit union.
SAGINAW MAIN
520 HAYDEN ST, SAGINAW, MI, 48607
MONDAY-FRIDAY 9 AM - 5 PM
CARO
1130 CLEAVER RD, CARO, MI, 48723
MONDAY-FRIDAY 9 AM-5 PM
BAD AXE
499 BRICK ST, BAD AXE, MI, 48413
MONDAY-FRIDAY 9 AM-5 PM
SANDUSKY
625 S SANDUSKY RD, SANDUSKY, MI, 48471
MONDAY-FRIDAY 9 AM-5 PM
SAGINAW TOWNSHIP
4075 McCARTY RD, SAGINAW, MI, 48603
MONDAY-FRIDAY 9 AM-5 PM
THOMAS TOWNSHIP
8450 GRATIOT RD, SAGINAW, MI, 48609
MONDAY-FRIDAY 9 AM-5 PM
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<a href="https://bankscorer.com/credit-union/team-one" target="_blank" rel="noopener">View TEAM ONE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
BAY CITY
401 E MIDLAND ST, BAY CITY, MI, 48706
MONDAY-THURSDAY, 8:30 AM - 5 PM FRIDAY, 8:30 AM - 6 PM SATURDAY, 8:30 AM - 12:30 PM
Traverse City
1202 Veterans Dr, Traverse City, MI, 49684-4449
M-F, 9-5
Owosso
1243 E M 21, Owosso, MI, 48867-9038
M-F, 9 a.m. - 5 p.m.
Flint
606 Stevens St, Flint, MI, 48502
Lobby:9:00 am - 5:00 pm M - W9:00 am - 6:00 pm Th - F9:30 am - 12:30 pm SatDrive Thru:Opens at 8:00 am M - F , closes same as LobbySaturday hours same as Lobby
2 more locations not shown.