DOWAGIAC AREA
Federal • DOWAGIAC, Michigan • Est. 1972
Quick Facts
- Charter Number
- #21070
- Type
- Federal
- Established
- 1972
- Headquarters
- DOWAGIAC, Michigan 49047-1541
- Address
- 473 E DIVISION ST
- Branches
- 1
- Members
- 1,830
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,830 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DOWAGIAC AREA |
|---|---|
| Total Assets | $25.2M |
| Members | 1,830 |
| Loans Outstanding | $12.7M |
| Shares & Deposits | $22.4M |
| Net Worth | $2.7M |
| Net Worth Ratio | 10.75% |
| Loan-to-Share Ratio | 56.4% |
| Delinquency Rate | 0.50% |
| Net Income | +$403,244 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Dowagiac Area Federal Credit Union
Main Office473 E Division St
Dowagiac, MI 49047-1541
Who Can Join DOWAGIAC AREA?
Membership Type: Other/Unknown
Membership eligibility for DOWAGIAC AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact DOWAGIAC AREA 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. DOWAGIAC AREA 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, DOWAGIAC AREA has 1,830 members and a potential membership field of 30,000 people.
DOWAGIAC AREA's net worth ratio is 10.75% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.8%, DOWAGIAC AREA meets this threshold.
DOWAGIAC AREA operates 1 branch location. The main office is located at 473 E Division St, Dowagiac, MI 49047-1541.
DOWAGIAC AREA was established in 1972. It is a federal credit union chartered under charter number 21070. The institution has been serving members for 54 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or DOWAGIAC AREA. All financial data is for informational purposes only.