MICHIGAN LEGACY
State-Chartered • Wyandotte, Michigan • Est. 1946
Quick Facts
- Charter Number
- #62642
- Type
- State-Chartered
- Established
- 1946
- Headquarters
- Wyandotte, Michigan 48192
- Address
- 269 Oak St.
- Branches
- 5
- ATMs
- 6
- Members
- 18,772
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
18,772 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MICHIGAN LEGACY |
|---|---|
| Total Assets | $213.0M |
| Members | 18,772 |
| Loans Outstanding | $143.3M |
| Shares & Deposits | $185.5M |
| Net Worth | $27.6M |
| Net Worth Ratio | 12.98% |
| Loan-to-Share Ratio | 77.3% |
| Delinquency Rate | 0.71% |
| Net Income | +$2,059,483 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 6 ATMs
Pontiac Branch
144 E Pike St
Pontiac, MI 48342
Wyandotte Branch
Main Office269 Oak St
Wyandotte, MI 48192-5126
Flat Rock Branch
22855 Gibraltar Rd
Flat Rock, MI 48134
Highland Branch
290 N John St
Highland, MI 48357
Warren Branch
31130 Ryan Rd
Warren, MI 48092
Who Can Join MICHIGAN LEGACY?
Membership Type: Community
Membership eligibility for MICHIGAN LEGACY may vary. Contact the credit union directly to confirm qualification requirements.
Contact MICHIGAN LEGACY 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 LEGACY 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 LEGACY has 18,772 members and a potential membership field of 10,140,459 people.
MICHIGAN LEGACY's net worth ratio is 12.98% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.0%, MICHIGAN LEGACY meets this threshold.
MICHIGAN LEGACY operates 5 branch locations and has access to 6 ATMs. The main office is located at 269 Oak St, Wyandotte, MI 48192-5126.
MICHIGAN LEGACY was established in 1946. It is a state-chartered credit union chartered under charter number 62642. The institution has been serving members for 80 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 LEGACY. All financial data is for informational purposes only.