ARBOR FINANCIAL
State-Chartered • KALAMAZOO, Michigan • Est. 1935
Quick Facts
- Charter Number
- #61708
- Type
- State-Chartered
- Established
- 1935
- Headquarters
- KALAMAZOO, Michigan 49009-9404
- Address
- 1551 S 9TH ST
- Branches
- 13
- ATMs
- 12
- Members
- 47,036
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
47,036 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ARBOR FINANCIAL |
|---|---|
| Total Assets | $914.2M |
| Members | 47,036 |
| Loans Outstanding | $685.5M |
| Shares & Deposits | $774.0M |
| Net Worth | $91.7M |
| Net Worth Ratio | 10.15% |
| Loan-to-Share Ratio | 88.6% |
| Delinquency Rate | 1.74% |
| Net Income | +$9,032,400 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
13 locations · 12 ATMs
Main Office
Main Office1551 S 9TH ST
KALAMAZOO, MI 49009-9404
Kalamazoo Office
5991 GULL RD
KALAMAZOO, MI 49048-4013
Centre Ave Office
2019 W CENTRE AVE
PORTAGE, MI 49024-4815
Three Rivers Office
811 W MICHIGAN AVE
THREE RIVERS, MI 49093-2134
Paw Paw Office
315 E SAINT JOSEPH ST
PAW PAW, MI 49079-1547
Who Can Join ARBOR FINANCIAL?
Membership Type: Community
Membership eligibility for ARBOR FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ARBOR FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. ARBOR FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ARBOR FINANCIAL has 47,036 members and a potential membership field of 10,140,459 people.
ARBOR FINANCIAL's net worth ratio is 10.15% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, ARBOR FINANCIAL meets this threshold.
ARBOR FINANCIAL operates 13 branch locations and has access to 12 ATMs. The main office is located at 1551 S 9TH ST, KALAMAZOO, MI 49009-9404.
ARBOR FINANCIAL was established in 1935. It is a state-chartered credit union chartered under charter number 61708. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ARBOR FINANCIAL. All financial data is for informational purposes only.