FINANCIALEDGE
State-Chartered • Bay City, Michigan • Est. 1950
Quick Facts
- Charter Number
- #61619
- Type
- State-Chartered
- Established
- 1950
- Headquarters
- Bay City, Michigan 48707
- Address
- PO Box 446
- Branches
- 2
- ATMs
- 2
- Members
- 8,742
- 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
8,742 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FINANCIALEDGE |
|---|---|
| Total Assets | $139.9M |
| Members | 8,742 |
| Loans Outstanding | $82.5M |
| Shares & Deposits | $121.3M |
| Net Worth | $17.6M |
| Net Worth Ratio | 12.56% |
| Loan-to-Share Ratio | 68.0% |
| Delinquency Rate | 1.01% |
| Net Income | +$1,520,756 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. FINANCIALEDGE 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, FINANCIALEDGE has 8,742 members and a potential membership field of 100,000 people.
FINANCIALEDGE's net worth ratio is 12.56% 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%, FINANCIALEDGE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FINANCIALEDGE. All financial data is for informational purposes only.