FOREST AREA
Federal • Fife Lake, Michigan • Est. 1983
Quick Facts
- Charter Number
- #24047
- Type
- Federal
- Established
- 1983
- Headquarters
- Fife Lake, Michigan 49633
- Address
- PO Box 118
- Branches
- 8
- ATMs
- 7
- Members
- 21,085
- 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
21,085 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FOREST AREA |
|---|---|
| Total Assets | $309.6M |
| Members | 21,085 |
| Loans Outstanding | $196.8M |
| Shares & Deposits | $271.0M |
| Net Worth | $38.0M |
| Net Worth Ratio | 12.28% |
| Loan-to-Share Ratio | 72.6% |
| Delinquency Rate | 1.41% |
| Net Income | +$6,861,683 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 7 ATMs
Fife Lake
638 Boyd St
Fife Lake, MI 49633-9333
Manton
314 W Main St
Manton, MI 49663-8050
Kingsley
6966 Cougar Trl
Kingsley, MI 49649-8302
Kalkaska
409 W Mile Rd NW
Kalkaska, MI 49646-8914
Lake City
101 N Main St
Lake City, MI 49651
Who Can Join FOREST AREA?
Membership Type: Community
Membership eligibility for FOREST AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact FOREST 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. FOREST 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, FOREST AREA has 21,085 members and a potential membership field of 699,013 people.
FOREST AREA's net worth ratio is 12.28% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.3%, FOREST AREA meets this threshold.
FOREST AREA operates 8 branch locations and has access to 7 ATMs. The main office is located at 6954 US Highway 131, Fife Lake, MI 49633-9765.
FOREST AREA was established in 1983. It is a federal credit union chartered under charter number 24047. The institution has been serving members for 43 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FOREST AREA. All financial data is for informational purposes only.