ROUTE 31
Federal • Muskegon, Michigan • Est. 1949
Quick Facts
- Charter Number
- #5982
- Type
- Federal
- Established
- 1949
- Headquarters
- Muskegon, Michigan 49440
- Address
- 715 Terrace Street, Suite 101
- Branches
- 2
- ATMs
- 2
- Members
- 9,567
- Membership Type
- Other/Unknown
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
9,567 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ROUTE 31 |
|---|---|
| Total Assets | $97.8M |
| Members | 9,567 |
| Loans Outstanding | $62.9M |
| Shares & Deposits | $82.7M |
| Net Worth | $13.5M |
| Net Worth Ratio | 13.83% |
| Loan-to-Share Ratio | 76.1% |
| Delinquency Rate | 0.48% |
| Net Income | +$1,034,616 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Terrace Main Office
Main Office715 Terrace St
Muskegon, MI 49440
Laketon Avenue Branch
1920 E Laketon Ave
Muskegon, MI 49442
Who Can Join ROUTE 31?
Membership Type: Other/Unknown
Membership eligibility for ROUTE 31 may vary. Contact the credit union directly to confirm qualification requirements.
Contact ROUTE 31 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. ROUTE 31 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, ROUTE 31 has 9,567 members and a potential membership field of 933,223 people.
ROUTE 31's net worth ratio is 13.83% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.8%, ROUTE 31 meets this threshold.
ROUTE 31 operates 2 branch locations and has access to 2 ATMs. The main office is located at 715 Terrace St, Muskegon, MI 49440.
ROUTE 31 was established in 1949. It is a federal credit union chartered under charter number 5982. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ROUTE 31. All financial data is for informational purposes only.