Novi, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
74,399
Net Worth Ratio
10.35%
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
$1.57B
Total Shares
$1.24B
Total Loans
$924.3M
Net Worth Ratio
10.35%
≥7% = Well Capitalized
Members
74,399
Delinquency Rate (60d+)
0.73%
$6.8M
Loan-to-share ratio: 74.8%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 1,012 | 730 | 84 | 72.1% | 8.3% |
| 2022 | 733 | 630 | 65 | 86.0% | 8.9% |
| 2021 | 1,210 | 1,125 | 55 | 93.0% | 4.5% |
No CFPB complaint data available for this credit union.
Administrative Building
44575 W Twelve Mile Rd, Novi, MI, 48377-2505
M-TH 9-5:30 F 9-6
Clarkston Branch
6580 Dixie Hwy, Clarkston, MI, 48346-3419
M-TH: 9-5 F:9-6 DRIVE THRU:M-F 8:30-6 S 9-12
Oxford Branch
968 N Lapeer Rd, Oxford, MI, 48371-3619
M-TH 9-5:30 F 8:30-6
Waterford - M59 Branch
6655 Highland Rd, Waterford, MI, 48327
M-TH 9-5 F:9-6DRIVE THRU: M-TH 8:30-5:30 F 8:30-6 S: 9-12
West Bloomfield Branch
7800 Pontiac Trl, West Bloomfield, MI, 48323
M-TH: 9-5 F:9-6DRIVE THRU: M-TH: 8:30-5:30 F:8:30-6 S: 9-12
Novi Branch
44777 W Twelve Mile Rd, Novi, MI, 48377-2509
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<a href="https://bankscorer.com/credit-union/vibe" target="_blank" rel="noopener">View VIBE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
M-TH 9-5 F 9-6DRIVE THRU M-TH 8:30-5:30 F 8:30-6 S: 9-12
Berkley Branch
3082 Coolidge Hwy, Berkley, MI, 48072
M-Th 9-5 F 9-6Drive thru MF 8:30-6 S 9-12
Canton Branch
44300 Warren Rd, Canton, MI, 48187
M-TH 9-5 F 9-6DRIVE THRU: M-TH 8:30-5:30 F:8:30-6 S 9-12
Ferndale Branch
214 W 9 Mile Rd, Ferndale, MI, 48220
M-F 10-6 S 10-2
Livonia Branch
16825 Middlebelt Rd, Livonia, MI, 48154-3317
M-TH 9-5 F 9-6 S:9-12
6 more locations not shown.