WMCU
Grand Rapids, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
29,196
Net Worth Ratio
17.26%
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
$449.2M
Peer Group 5
Members
29,196
as of latest quarter
Net Worth Ratio
17.26%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$449.2M
Total Shares
$367.9M
Total Loans
$206.5M
Net Income
$1.2M
Net Worth Ratio
17.26%
≥7% = Well Capitalized
Members
29,196
Return on Assets
0.26%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.83%
$1.7M
Loan-to-share ratio: 56.1%· healthy range 60–80%
Branch Locations
NCUAHall Street
401 Hall St SW, Grand Rapids, MI, 49503
M-F 9:00-5:00
Big Rapids Lobby
825 Division St, Big Rapids, MI, 49307-2229
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon
Big Rapids - Drive Thru
802 Division St, Big Rapids, MI, 49307-2230
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon
Reed City
4795 220th Avenue, Reed City, MI, 49677-1395
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon
Cadillac
215 Bell Ave, Cadillac, MI, 49601-1103
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon Drive thru only
Manistee Office
316 Care Center Dr, Manistee, MI, 49660
Mon-Fri. 9:00am-5:00pm closed 11:30-12:00 for lunch
Corporate Administrative Offices
1720 Michigan St NE, Grand Rapids, MI, 49503
M-F 8:00 am to 5:00 pmSat Contact Center (phone) hours 9:00 am to 1:00 pm
Grand Rapids
201 36th St SE, Grand Rapids, MI, 49548-2213
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon
Coopersville
1147 W Randall St, Coopersville, MI, 49404
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon
Creston
1327 Plainfield Ave NE, Grand Rapids, MI, 49505
Mon-Thurs. 9:00am-5:00pm Friday 9:00am-6:00pm Saturday 9am-noon
4 more locations not shown.
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/wmcu" target="_blank" rel="noopener">View WMCU on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.