States
Credit unions in Michigan: the best and largest of 169, compared
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
All 169 filers based in Michigan, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Michigan: credit unions that match
169
| Their members | 6.13M |
| Their assets | $121.2B |
| First on this sort | Lake Michigan Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Lake Michigan Credit Union (LMCU)Caledonia | $17.3B | 537K | 11.27% | 0.35% | 75 | 5/5 |
| Michigan State University Federal Credit Union (Oakland University Credit Union)East Lansing | $8.87B | 406K | 8.96% | 1.24% | 38 | 4/5 |
| DFCU Financial Credit UnionDearborn | $8.04B | 243K | 12.63% | 0.63% | 39 | 5/5 |
| Genisys Credit UnionAuburn Hills | $6.56B | 297K | 15.47% | 1.09% | 34 | 4/5 |
| United Federal Credit UnionSaint Joseph | $4.43B | 192K | 11.94% | 0.71% | 43 | 4/5 |
| Michigan Schools and Government Credit Union (MSGCU)Clinton Township | $4.41B | 163K | 12.63% | 0.61% | 30 | 5/5 |
| Advia Credit UnionKalamazoo | $4.06B | 189K | 9.73% | 0.70% | 34 | 3/5 |
| Consumers Credit UnionKalamazoo | $2.89B | 156K | 9.36% | 0.40% | 34 | 5/5 |
| Lake Trust Credit UnionBrighton | $2.88B | 175K | 10.84% | 1.06% | 25 | 3/5 |
| Dow Credit Union (Dow Chemical Employees' Credit Union)Midland | $2.62B | 84K | 10.07% | 0.29% | 2 | 5/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
169 credit unions based in Michigan filed 6.13M members and $121.2B in assets with the National Credit Union Administration for June 30, 2026. Michigan has 28 filers with $1 billion or more, a very high count, and 1,151 member-service offices, nearly all belonging to credit unions based in the state. Lake Michigan Credit Union in Grand Rapids, Michigan State University Federal Credit Union and DFCU Financial Credit Union lead the table. Combined net worth, 11.93%, sits near the national 11.42%. Loans two months late or worse come to 0.79%, close to the national 0.96%. Each employee on file works out at 299 members, the 5th lowest count. The top three names hold 28.2% of assets, the 6th lowest share. Assets per member come to $19,764, the 7th highest figure. Offices by city: Grand Rapids (46), Saginaw (35), Detroit (28), Kalamazoo (27), out of 356 places in 81 counties. Gone since last year: Catholic Vantage Financial CU ($121M), Copoco Community CU ($104M), Great Lakes FCU ($60M), First Area CU ($40M), the largest of 8. Latest charter: Community First Federal Credit Union, 1985, with none since 2000. The file does not say who may join any of them, or why a charter stopped filing.
How much of the state do the three largest hold?
Michigan: top 3 share of assets
28.2%
| Largest | Lake Michigan Credit Union |
| Its share | 14.2% |
| At $1 billion or more | 28 |
| Under $50 million | 33 |
Filings read by Radif Partners · Editorial policy · Method and sources
Deep at the top, and very branch heavy
Assets at the same charters rose 9.09% while members rose only 1.51%. None of the 169 filers reports a net worth ratio under 7%. State charters outnumber federal ones here, 111 to 58. The outside presence is small for a state this size, 32 offices, so the local list is close to the full picture.
Highest net worth (over $100 million): AAC CU, 24.16%. Fewest late loans: Sunrise Family CU, 0.07%. Lake Michigan CU leads on members, 537K, and branches, 75. Largest member change: Elga CU, +16.61%. Next by assets: Genisys CU, United FCU, Michigan Schools and Government CU, Advia CU, Consumers CU, Lake Trust CU. Smallest: I.M. Detroit District CU, West Michigan Postal Service FCU, Westacres CU. Minority depository flag: Diversified Members CU, A.B.D. FCU, One Detroit CU, Southeast Michigan State Employees FCU and 2 more. Largest outside presence: Credit Union 1, from IL, 6 offices.
Marquette Community FCU (71.2%) leans most on vehicle loans, Polish-American FCU (78.8%) on first-lien home loans, American 1 CU (23.3%) on cards. Oldest charters: Michigan First CU, 1926; People Driven CU, 1928; Diversified Members CU, 1929. TLC Community CU lost the most members in percentage terms, -15.53%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Michigan | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 22.2% | 12th lowest | 27.5% |
| First-lien home loans, share of loans | 38.9% | 15th highest | 36.6% |
| Credit cards, share of loans | 3.6% | 10th highest | 4.9% |
| Commercial loans without real estate, share of loans | 1.2% | 13th highest | 0.8% |
| Loans as a share of shares and deposits | 81.7% | 23rd lowest | |
| Assets per member | $19,764 | 7th highest | |
| Members per reported branch | 4,848 | 20th lowest | |
| Members per employee (full- and part-time) | 299 | 5th lowest | |
| Filers with one branch or none | 21.3% | 8th lowest | |
| Three largest names, share of assets | 28.2% | 6th lowest | |
| Fall in filer count over 12 months | 4.5% | 19th highest | |
| Median year a charter opened | 1952 | 14th lowest |
The largest in Michigan
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Lake Michigan Credit Union (LMCU) | Caledonia | $17.3B | 537K | 11.27% | 0.35% | 75 | 5/5 |
| Michigan State University Federal Credit Union (Oakland University Credit Union) | East Lansing | $8.87B | 406K | 8.96% | 1.24% | 38 | 4/5 |
| DFCU Financial Credit Union | Dearborn | $8.04B | 243K | 12.63% | 0.63% | 39 | 5/5 |
| Genisys Credit Union | Auburn Hills | $6.56B | 297K | 15.47% | 1.09% | 34 | 4/5 |
| United Federal Credit Union | Saint Joseph | $4.43B | 192K | 11.94% | 0.71% | 43 | 4/5 |
| Michigan Schools and Government Credit Union (MSGCU) | Clinton Township | $4.41B | 163K | 12.63% | 0.61% | 30 | 5/5 |
| Advia Credit Union | Kalamazoo | $4.06B | 189K | 9.73% | 0.70% | 34 | 3/5 |
| Consumers Credit Union | Kalamazoo | $2.89B | 156K | 9.36% | 0.40% | 34 | 5/5 |
| Lake Trust Credit Union | Brighton | $2.88B | 175K | 10.84% | 1.06% | 25 | 3/5 |
| Dow Credit Union (Dow Chemical Employees' Credit Union) | Midland | $2.62B | 84K | 10.07% | 0.29% | 2 | 5/5 |
| Elga Credit Union | Grand Blanc | $2.50B | 117K | 17.80% | 1.38% | 23 | 4/5 |
| Dort Financial Credit Union (FLAGLER CREDIT UNION) | Grand Blanc | $2.44B | 123K | 10.41% | 0.57% | 17 | 5/5 |
| Community Choice Credit Union | Farmington Hills | $2.12B | 116K | 9.52% | 0.75% | 23 | 4/5 |
| Honor Credit Union | Berrien Springs | $1.88B | 105K | 12.16% | 0.92% | 27 | 3/5 |
| Credit Union One | Ferndale | $1.81B | 108K | 11.63% | 0.42% | 17 | 4/5 |
| Financial Plus Credit Union | Flint | $1.67B | 82K | 11.71% | 0.48% | 14 | 4/5 |
| Frankenmuth Credit Union | Frankenmuth | $1.59B | 79K | 10.31% | 1.19% | 32 | 4/5 |
| Vibe Credit Union | Novi | $1.58B | 74K | 10.46% | 1.08% | 15 | 3/5 |
| Michigan First Credit Union | Lathrup Village | $1.49B | 160K | 15.80% | 1.14% | 32 | 3/5 |
| Orsa Credit Union | Plymouth | $1.47B | 87K | 9.81% | 1.52% | 14 | 4/5 |
| University of Michigan Credit Union | Ann Arbor | $1.45B | 121K | 11.08% | 0.82% | 17 | 4/5 |
| Wildfire Credit Union | Saginaw | $1.20B | 51K | 10.95% | 0.60% | 7 | 5/5 |
| Lafcu Credit Union (YOUR CREDIT UNION FOR LIFE) | Lansing | $1.13B | 73K | 20.67% | 1.24% | 10 | 3/5 |
| Christian Financial Credit Union | Sterling Heights | $1.12B | 62K | 9.93% | 0.46% | 12 | 5/5 |
| Michigan Educational Credit Union (MECU Financial) | Plymouth | $1.11B | 47K | 11.70% | 0.29% | 6 | 4/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Credit Union 1 | IL | 6 | $2.87B | 10.91% |
| Everwise Credit Union | IN | 4 | $5.78B | 9.11% |
| Selfreliance Federal Credit Union | IL | 3 | $1.19B | 12.27% |
| Directions Credit Union | OH | 3 | $1.40B | 9.66% |
| CoVantage Credit Union | WI | 3 | $4.21B | 9.77% |
| CommunityAmerica Federal Credit Union | KS | 2 | $9.02B | 9.94% |
| Intouch Credit Union | TX | 2 | $837M | 8.95% |
| Pittsburgh Federal Credit Union | PA | 1 | $12M | 10.28% |
| Power One Federal Credit Union | IN | 1 | $19M | 12.96% |
| Farmers Insurance Federal Credit Union | CA | 1 | $1.33B | 9.86% |
| Maui Teachers Federal Credit Union | HI | 1 | $38M | 16.80% |
| Navy Federal Credit Union | VA | 1 | $204.4B | 11.65% |
In figures
| Measure | Michigan | Federally insured, US |
|---|---|---|
| Credit unions | 169 | 4,214 |
| Members | 6.13M | 146.11M |
| Assets | $121.2B | $2.50T |
| Net worth ratio | 11.93% | 11.42% |
| Delinquency | 0.79% | 0.96% |
| Same-charter members, 12 months | +1.51% | n/a |
| Same-charter assets, 12 months | +9.09% | n/a |
| Filers a year earlier | 177 | n/a |
| Federal charters | 58 | 2,649 |
| State charters | 111 | 1,650 |
| Minority depository flag | 6 | 454 |
Who can join
The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.