WMCU
State-Chartered • Grand Rapids, Michigan • Est. 1956
Quick Facts
- Charter Number
- #62347
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Grand Rapids, Michigan 49503
- Address
- 401 Hall St SW
- Branches
- 14
- ATMs
- 10
- Members
- 29,196
- 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
29,196 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WMCU |
|---|---|
| Total Assets | $449.2M |
| Members | 29,196 |
| Loans Outstanding | $206.5M |
| Shares & Deposits | $367.9M |
| Net Worth | $77.5M |
| Net Worth Ratio | 17.26% |
| Loan-to-Share Ratio | 56.1% |
| Delinquency Rate | 1.15% |
| Net Income | +$1,179,116 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
14 locations · 10 ATMs
Grand Rapids
1319 Front Ave NW
Grand Rapids, MI 49504
Big Rapids Lobby
825 Division St
Big Rapids, MI 49307-2229
Big Rapids - Drive Thru
802 Division St
Big Rapids, MI 49307-2230
Reed City
4795 220th Avenue
Reed City, MI 49677-1395
Cadillac
215 Bell Ave
Cadillac, MI 49601-1103
Who Can Join WMCU?
Membership Type: Community
Membership eligibility for WMCU may vary. Contact the credit union directly to confirm qualification requirements.
Contact WMCU 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
WMCU 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, WMCU has 29,196 members and a potential membership field of 2,643,526 people.
WMCU's reported net worth ratio is 17.26% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
WMCU operates 14 branch locations and has access to 10 ATMs. The main office is located at 401 Hall St SW, Grand Rapids, MI 49503.
WMCU was established in 1956. It is a state-chartered credit union chartered under charter number 62347. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or WMCU. All financial data is for informational purposes only.