DOW
State-Chartered • Midland, Michigan • Est. 1937
Quick Facts
- Charter Number
- #60137
- Type
- State-Chartered
- Established
- 1937
- Headquarters
- Midland, Michigan 48640-5396
- Address
- 600 E Lyon Rd
- Branches
- 2
- ATMs
- 2
- Members
- 83,834
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
83,834 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DOW |
|---|---|
| Total Assets | $2.6B |
| Members | 83,834 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $2.4B |
| Net Worth | $256.0M |
| Net Worth Ratio | 9.79% |
| Loan-to-Share Ratio | 52.3% |
| Delinquency Rate | 0.27% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
DOW is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, DOW has 83,834 members and a potential membership field of 10,127,884 people.
DOW's reported net worth ratio is 9.79% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or DOW. All financial data is for informational purposes only.