DOW
State-Chartered • Midland, Michigan • Est. 1937
Quick Facts
- Charter Number
- #60137
- Type
- State-Chartered
- Established
- 1937
- Headquarters
- Midland, Michigan 48641-1649
- Address
- PO Box 1649
- Branches
- 2
- ATMs
- 2
- Members
- 83,732
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
83,732 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DOW |
|---|---|
| Total Assets | $2.6B |
| Members | 83,732 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $2.3B |
| Net Worth | $254.5M |
| Net Worth Ratio | 9.97% |
| Loan-to-Share Ratio | 54.9% |
| Delinquency Rate | 0.41% |
| Net Income | +$25,834,389 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Dow Credit Union
Main Office600 E Lyon Rd
Midland, MI 48640-5396
Dow Credit Union
5420 Gratiot Rd
Saginaw, MI 48638-6056
Who Can Join DOW?
Membership Type: Community
Membership eligibility for DOW may vary. Contact the credit union directly to confirm qualification requirements.
Contact DOW 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. DOW 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, DOW has 83,732 members and a potential membership field of 10,140,459 people.
DOW's net worth ratio is 9.97% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, DOW meets this threshold.
DOW operates 2 branch locations and has access to 2 ATMs. The main office is located at 600 E Lyon Rd, Midland, MI 48640-5396.
DOW was established in 1937. It is a state-chartered credit union chartered under charter number 60137. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or DOW. All financial data is for informational purposes only.