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
- PO Box 817
- Branches
- 7
- ATMs
- 4
- Members
- 20,029
- 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
20,029 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTH CENTRAL AREA |
|---|---|
| Total Assets | $260.8M |
| Members | 20,029 |
| Loans Outstanding | $186.0M |
| Shares & Deposits | $232.6M |
| Net Worth | $29.3M |
| Net Worth Ratio | 11.25% |
| Loan-to-Share Ratio | 80.0% |
| Delinquency Rate | 1.58% |
| Net Income | +$4,554,538 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. NORTH CENTRAL AREA 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, NORTH CENTRAL AREA has 20,029 members and a potential membership field of 10,140,459 people.
NORTH CENTRAL AREA's net worth ratio is 11.25% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, NORTH CENTRAL AREA meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTH CENTRAL AREA. All financial data is for informational purposes only.