FINANCIALEDGE
State-Chartered • Bay City, Michigan • Est. 1950
Quick Facts
- Charter Number
- #61619
- Type
- State-Chartered
- Established
- 1950
- Headquarters
- Bay City, Michigan 48706
- Address
- 1199 S Euclid Ave
- Branches
- 2
- ATMs
- 2
- Members
- 8,792
- 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 10% and a delinquency rate below 1%. 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
8,792 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FINANCIALEDGE |
|---|---|
| Total Assets | $144.8M |
| Members | 8,792 |
| Loans Outstanding | $83.1M |
| Shares & Deposits | $125.8M |
| Net Worth | $17.8M |
| Net Worth Ratio | 12.30% |
| Loan-to-Share Ratio | 66.0% |
| Delinquency Rate | 0.72% |
| Net Income | +$240,912 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Euclid Office
Main Office1199 S Euclid Ave
Bay City, MI 48706
Center Office
2601 Center Ave
Bay City, MI 48708
Who Can Join FINANCIALEDGE?
Membership Type: Community
Membership eligibility for FINANCIALEDGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact FINANCIALEDGE 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
FINANCIALEDGE 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, FINANCIALEDGE has 8,792 members and a potential membership field of 545,744 people.
FINANCIALEDGE's reported net worth ratio is 12.30% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
FINANCIALEDGE operates 2 branch locations and has access to 2 ATMs. The main office is located at 1199 S Euclid Ave, Bay City, MI 48706.
FINANCIALEDGE was established in 1950. It is a state-chartered credit union chartered under charter number 61619. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FINANCIALEDGE. All financial data is for informational purposes only.