NORTH CENTRAL AREA
State-Chartered • Houghton Lake, Michigan • Est. 1956
Quick Facts
- Charter Number
- #61953
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Houghton Lake, Michigan 48629
- Address
- 2665 Reserve Rd
- Branches
- 7
- ATMs
- 4
- Members
- 20,236
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
20,236 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTH CENTRAL AREA |
|---|---|
| Total Assets | $269.4M |
| Members | 20,236 |
| Loans Outstanding | $191.5M |
| Shares & Deposits | $239.8M |
| Net Worth | $30.5M |
| Net Worth Ratio | 11.31% |
| Loan-to-Share Ratio | 79.9% |
| Delinquency Rate | 0.88% |
| Net Income | +$932,190 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
7 locations · 4 ATMs
Administration Building
Main Office2665 Reserve Rd
Houghton Lake, MI 48629
Houghton Lake Branch
2671 Reserve Rd
Houghton Lake, MI 48629
Roscommon Branch
129 Lake St
Roscommon, MI 48653-7658
Standish Branch
212 Court St S
Standish, MI 48658
Grayling Branch
505 Clyde St
Grayling, MI 49738
Who Can Join NORTH CENTRAL AREA?
Membership Type: Community
Membership eligibility for NORTH CENTRAL AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTH CENTRAL AREA directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
NORTH CENTRAL AREA is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, NORTH CENTRAL AREA has 20,236 members and a potential membership field of 10,127,884 people.
NORTH CENTRAL AREA's reported net worth ratio is 11.31% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
NORTH CENTRAL AREA operates 7 branch locations and has access to 4 ATMs. The main office is located at 2665 Reserve Rd, Houghton Lake, MI 48629.
NORTH CENTRAL AREA was established in 1956. It is a state-chartered credit union chartered under charter number 61953. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NORTH CENTRAL AREA. All financial data is for informational purposes only.