FIRST AREA
State-Chartered • SAGINAW, Michigan • Est. 1961
Quick Facts
- Charter Number
- #61756
- Type
- State-Chartered
- Established
- 1961
- Headquarters
- SAGINAW, Michigan 48609
- Address
- 193 CAMPBELL LN
- Branches
- 2
- ATMs
- 2
- Members
- 2,872
- 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
2,872 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST AREA |
|---|---|
| Total Assets | $38.5M |
| Members | 2,872 |
| Loans Outstanding | $17.8M |
| Shares & Deposits | $35.4M |
| Net Worth | $4.0M |
| Net Worth Ratio | 10.44% |
| Loan-to-Share Ratio | 50.3% |
| Delinquency Rate | 1.33% |
| Net Income | +$169,926 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Hemlock
16630 Gratiot Rd
Hemlock, MI 48626
Shields
Main Office193 Campbell Ln
Saginaw, MI 48609
Who Can Join FIRST AREA?
Membership Type: Community
Membership eligibility for FIRST AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST 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. FIRST 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, FIRST AREA has 2,872 members and a potential membership field of 10,000 people.
FIRST AREA's net worth ratio is 10.44% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.4%, FIRST AREA meets this threshold.
FIRST AREA operates 2 branch locations and has access to 2 ATMs. The main office is located at 193 Campbell Ln, Saginaw, MI 48609.
FIRST AREA was established in 1961. It is a state-chartered credit union chartered under charter number 61756. The institution has been serving members for 65 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST AREA. All financial data is for informational purposes only.