MICHIGAN COASTAL
State-Chartered • Muskegon, Michigan • Est. 1958
Quick Facts
- Charter Number
- #61631
- Type
- State-Chartered
- Established
- 1958
- Headquarters
- Muskegon, Michigan 49442
- Address
- 1086 Creston St
- Branches
- 2
- Members
- 2,446
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
2,446 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MICHIGAN COASTAL |
|---|---|
| Total Assets | $26.4M |
| Members | 2,446 |
| Loans Outstanding | $23.4M |
| Shares & Deposits | $24.1M |
| Net Worth | $2.1M |
| Net Worth Ratio | 8.08% |
| Loan-to-Share Ratio | 97.3% |
| Delinquency Rate | 1.80% |
| Net Income | +$250,259 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Michigan Coastal Credit Union
Main Office1086 Creston St
Muskegon, MI 49442
5906 Commerce
5906 Commerce Center Dr
Muskegon, MI 49444-7870
Who Can Join MICHIGAN COASTAL?
Membership Type: Community
Membership eligibility for MICHIGAN COASTAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact MICHIGAN COASTAL 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. MICHIGAN COASTAL 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, MICHIGAN COASTAL has 2,446 members and a potential membership field of 1,648,030 people.
MICHIGAN COASTAL's net worth ratio is 8.08% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.1%, MICHIGAN COASTAL meets this threshold.
MICHIGAN COASTAL operates 2 branch locations. The main office is located at 1086 Creston St, Muskegon, MI 49442.
MICHIGAN COASTAL was established in 1958. It is a state-chartered credit union chartered under charter number 61631. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MICHIGAN COASTAL. All financial data is for informational purposes only.