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North Central Area
Houghton Lake, MI · NCUA Charter #61953 · State charter, federally insured · Chartered 1956
Total assets
$271.74M
Shares & deposits
$240.03M
Total loans
$204.43M
Members
20,640
Net worth
$31.38M
Branches
7
Rank: #1,099 of 4,299 U.S. credit unions by assets · #67 of 169 in Michigan. Assets changed 6.6% and membership 6.3% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 11.55% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.57% |
| Loans to shares & deposits | 85.2% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $172.63M | $164.65M | $0 | $12.26M |
| Jun 2023 | $163.60M | $155.95M | $0 | $13.69M |
| Jun 2024 | $231.97M | $206.84M | $0 | $24.77M |
| Jun 2025 | $254.83M | $227.90M | $0 | $27.63M |
| Jun 2026 | $271.74M | $240.03M | $0 | $31.38M |
Branch footprint
| State | Branches |
|---|---|
| Michigan | 7 |
Similar-sized credit unions
Saint Lawrence ($272.32M) · Long Beach City Employees ($270.63M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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