MICHIGAN UNITED
State-Chartered • Auburn Hills, Michigan • Est. 1931
Quick Facts
- Charter Number
- #61698
- Type
- State-Chartered
- Established
- 1931
- Headquarters
- Auburn Hills, Michigan 48326
- Address
- 3501 Hamlin Rd
- Branches
- 9
- ATMs
- 6
- Members
- 24,143
- 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
24,143 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MICHIGAN UNITED |
|---|---|
| Total Assets | $335.8M |
| Members | 24,143 |
| Loans Outstanding | $225.2M |
| Shares & Deposits | $292.3M |
| Net Worth | $41.0M |
| Net Worth Ratio | 12.20% |
| Loan-to-Share Ratio | 77.0% |
| Delinquency Rate | 0.31% |
| Net Income | +$3,457,114 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 6 ATMs
Birmingham
576 E Lincoln St
Birmingham, MI 48009-1757
Holly
15156 N Holly Rd
Holly, MI 48442-1139
Lake Orion
350 N Park Blvd
Lake Orion, MI 48362-3150
Shelby Township
13643 23 Mile Rd
Shelby Township, MI 48315
Waterford North
4770 Dixie Hwy
Waterford, MI 48329
Who Can Join MICHIGAN UNITED?
Membership Type: Community
Membership eligibility for MICHIGAN UNITED may vary. Contact the credit union directly to confirm qualification requirements.
Contact MICHIGAN UNITED 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 UNITED 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 UNITED has 24,143 members and a potential membership field of 10,000,000 people.
MICHIGAN UNITED's net worth ratio is 12.20% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.2%, MICHIGAN UNITED meets this threshold.
MICHIGAN UNITED operates 9 branch locations and has access to 6 ATMs. The main office is located at 3501 Hamlin Rd, Auburn Hills, MI 48326.
MICHIGAN UNITED was established in 1931. It is a state-chartered credit union chartered under charter number 61698. The institution has been serving members for 95 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 UNITED. All financial data is for informational purposes only.