Saginaw, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
50,257
Net Worth Ratio
10.91%
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
$1.19B
Total Shares
$1.05B
Total Loans
$707.6M
Net Income
$1.4M
Net Worth Ratio
10.91%
≥7% = Well Capitalized
Members
50,257
Return on Assets
0.12%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.28%
$2.0M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 409 | 299 | 59 | 73.1% | 14.4% |
| 2022 | 732 | 562 | 93 | 76.8% | 12.7% |
| 2021 | 773 | 601 | 68 | 77.8% | 8.8% |
No CFPB complaint data available for this credit union.
Wildfire Credit Union
6640 Bay Rd, Saginaw, MI, 48604
Lobby 9:00 a.m. - 5:30 p.m. M-Th 9:00 a.m. - 6:00 p.m. Friday D/T 8:00 a.m. - 6:00 p.m. M-F D/T only 9:00 - 12:30 p.m. Saturd
Midland Branch
100 Joseph Dr, Midland, MI, 48642
Lobby 9:00 a.m. - 5:30 p.m. M-Th 9:00 a.m. - 6:00 p.m. Friday D/T 8:00 a.m. - 6:00 p.m. M-F D/T only 9:00 - 12:30 p.m. Satur
Heritage High School Branch (Restricted Access)
3465 N Center Rd, Saginaw, MI, 48603-1863
10:50 a.m. - 12:30 p.m. M-F
Saginaw West Branch
6673 State St, Saginaw, MI, 48603
Lobby - M-Th 9:00am-5:30pm, F 9:00am-6:00pm Drive-Through - M-Th 8:00am-5:30pm, F 8:00am-6:00pm, Sa 9:00am-12:30pm
Bay City Branch
2936 Wilder Rd, Bay City, MI, 48706
Lobby - M-Th 9:00am-5:30pm, F 9:00am-6:00pm Drive-Through - M-Th 8:00am-5:30pm, F 8:00am-6:00pm, Sa 9:00am-12:30pm
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<a href="https://bankscorer.com/credit-union/wildfire" target="_blank" rel="noopener">View WILDFIRE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 67.1%· healthy range 60–80%
John Glenn High School Branch (Restricted Access)
3201 Kiesel Rd, Bay City, MI, 48706
10:30am - 12:30pm M-F
Mt. Pleasant Business Services Office
5655 E Pickard St Ste C, Mount Pleasant, MI, 48858-5034
M-F 10:00am - 3:00pm & By Appointment