ROUTE 31
Federal • Muskegon, Michigan • Est. 1949
Quick Facts
- Charter Number
- #5982
- Type
- Federal
- Established
- 1949
- Headquarters
- Muskegon, Michigan 49440
- Address
- 715 Terrace St
- Branches
- 2
- ATMs
- 2
- Members
- 9,472
- Membership Type
- Other/Unknown
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
9,472 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ROUTE 31 |
|---|---|
| Total Assets | $101.5M |
| Members | 9,472 |
| Loans Outstanding | $61.3M |
| Shares & Deposits | $86.5M |
| Net Worth | $13.7M |
| Net Worth Ratio | 13.51% |
| Loan-to-Share Ratio | 70.8% |
| Delinquency Rate | 0.38% |
| Net Income | +$262,101 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
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
ROUTE 31 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, ROUTE 31 has 9,472 members and a potential membership field of 941,905 people.
ROUTE 31's reported net worth ratio is 13.51% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ROUTE 31. All financial data is for informational purposes only.