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
- 23,626
- 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
23,626 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | OUR |
|---|---|
| Total Assets | $360.4M |
| Members | 23,626 |
| Loans Outstanding | $223.3M |
| Shares & Deposits | $335.3M |
| Net Worth | $36.3M |
| Net Worth Ratio | 10.06% |
| Loan-to-Share Ratio | 66.6% |
| Delinquency Rate | 0.56% |
| Net Income | +$3,900,513 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. OUR 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, OUR has 23,626 members and a potential membership field of 100,000 people.
OUR's net worth ratio is 10.06% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.1%, OUR meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or OUR. All financial data is for informational purposes only.