MICHIGAN SCHOOLS AND GOVERNMENT
State-Chartered • Clinton Townshi, Michigan • Est. 1954
Quick Facts
- Charter Number
- #62049
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Clinton Townshi, Michigan 48038
- Address
- 40400 Garfield Road
- Branches
- 24
- ATMs
- 23
- Members
- 161,135
- 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
161,135 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MICHIGAN SCHOOLS AND GOVERNMENT |
|---|---|
| Total Assets | $4.3B |
| Members | 161,135 |
| Loans Outstanding | $3.7B |
| Shares & Deposits | $3.5B |
| Net Worth | $524.6M |
| Net Worth Ratio | 12.25% |
| Loan-to-Share Ratio | 103.9% |
| Delinquency Rate | 0.64% |
| Net Income | +$60,142,852 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
24 locations · 23 ATMs
Main
Main Office40400 Garfield Rd
Clinton Township, MI 48038-4004
Shelby
8770 23 Mile Rd
Shelby Township, MI 48316-4514
Shores
24515 Little Mack Ave
Saint Clair Shores, MI 48080-3250
Chesterfield
34700 23 Mile Rd
Chesterfield, MI 48047-2081
Hall Road
45120 Marketplace Blvd
Chesterfield, MI 48051-3281
Who Can Join MICHIGAN SCHOOLS AND GOVERNMENT?
Membership Type: Community
Membership eligibility for MICHIGAN SCHOOLS AND GOVERNMENT may vary. Contact the credit union directly to confirm qualification requirements.
Contact MICHIGAN SCHOOLS AND GOVERNMENT 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 SCHOOLS AND GOVERNMENT 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 SCHOOLS AND GOVERNMENT has 161,135 members and a potential membership field of 2,000,000 people.
MICHIGAN SCHOOLS AND GOVERNMENT's net worth ratio is 12.25% 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%, MICHIGAN SCHOOLS AND GOVERNMENT meets this threshold.
MICHIGAN SCHOOLS AND GOVERNMENT operates 24 branch locations and has access to 23 ATMs. The main office is located at 40400 Garfield Rd, Clinton Township, MI 48038-4004.
MICHIGAN SCHOOLS AND GOVERNMENT was established in 1954. It is a state-chartered credit union chartered under charter number 62049. The institution has been serving members for 72 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 SCHOOLS AND GOVERNMENT. All financial data is for informational purposes only.