OUR
State-Chartered • Royal Oak, Michigan • Est. 1959
Quick Facts
- Charter Number
- #62028
- Type
- State-Chartered
- Established
- 1959
- Headquarters
- Royal Oak, Michigan 48073
- Address
- 3070 Normandy Rd
- Branches
- 6
- ATMs
- 5
- Members
- 23,532
- 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 8% and a delinquency rate below 1.5%. 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
23,532 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | OUR |
|---|---|
| Total Assets | $369.8M |
| Members | 23,532 |
| Loans Outstanding | $225.6M |
| Shares & Deposits | $343.0M |
| Net Worth | $36.7M |
| Net Worth Ratio | 9.94% |
| Loan-to-Share Ratio | 65.8% |
| Delinquency Rate | 0.45% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
6 locations · 5 ATMs
Normandy Office
Main Office3070 Normandy Rd
Royal Oak, MI 48073
12 Mile Road Office
5625 E 12 Mile Rd
Warren, MI 48092-2307
Washington Office
726 S Washington Ave
Royal Oak, MI 48067
Rochester Rd
6693 Rochester Rd
Troy, MI 48085
Shelby Township Office
54870 Mound Rd
Shelby Township, MI 48316
Who Can Join OUR?
Membership Type: Community
Membership eligibility for OUR may vary. Contact the credit union directly to confirm qualification requirements.
Contact OUR 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
OUR 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, OUR has 23,532 members and a potential membership field of 100,000 people.
OUR's reported net worth ratio is 9.94% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
OUR operates 6 branch locations and has access to 5 ATMs. The main office is located at 3070 Normandy Rd, Royal Oak, MI 48073.
OUR was established in 1959. It is a state-chartered credit union chartered under charter number 62028. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or OUR. All financial data is for informational purposes only.