FILER
State-Chartered • Manistee, Michigan • Est. 1951
Quick Facts
- Charter Number
- #62010
- Type
- State-Chartered
- Established
- 1951
- Headquarters
- Manistee, Michigan 49660
- Address
- PO Box 375
- Branches
- 4
- ATMs
- 4
- Members
- 13,178
- Membership Type
- Community
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
13,178 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FILER |
|---|---|
| Total Assets | $254.0M |
| Members | 13,178 |
| Loans Outstanding | $146.6M |
| Shares & Deposits | $224.7M |
| Net Worth | $32.0M |
| Net Worth Ratio | 12.58% |
| Loan-to-Share Ratio | 65.2% |
| Delinquency Rate | 0.70% |
| Net Income | +$3,877,071 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
Main Office
Main Office1117 28th St
Manistee, MI 49660
Parkdale Branch
1778 Kemmer Rd
Manistee, MI 49660
Bear Lake Branch
7685 Lake St
Bear Lake, MI 49614
Ludington
3880 W US Highway 10
Ludington, MI 49431-9601
Who Can Join FILER?
Membership Type: Community
Membership eligibility for FILER may vary. Contact the credit union directly to confirm qualification requirements.
Contact FILER 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. FILER 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, FILER has 13,178 members and a potential membership field of 10,077,331 people.
FILER's net worth ratio is 12.58% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.6%, FILER meets this threshold.
FILER operates 4 branch locations and has access to 4 ATMs. The main office is located at 1117 28th St, Manistee, MI 49660.
FILER was established in 1951. It is a state-chartered credit union chartered under charter number 62010. The institution has been serving members for 75 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FILER. All financial data is for informational purposes only.