WMCU
State-Chartered • Grand Rapids, Michigan • Est. 1956
Quick Facts
- Charter Number
- #62347
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Grand Rapids, Michigan 49503
- Address
- 1720 Michigan St NE
- Branches
- 14
- ATMs
- 11
- Members
- 29,677
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
29,677 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WMCU |
|---|---|
| Total Assets | $441.9M |
| Members | 29,677 |
| Loans Outstanding | $212.7M |
| Shares & Deposits | $360.5M |
| Net Worth | $76.3M |
| Net Worth Ratio | 17.27% |
| Loan-to-Share Ratio | 59.0% |
| Delinquency Rate | 1.55% |
| Net Income | +$6,252,831 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
14 locations · 11 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.
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View Michigan RankingsFrequently Asked Questions
Yes. WMCU 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, WMCU has 29,677 members and a potential membership field of 2,638,480 people.
WMCU's net worth ratio is 17.27% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 17.3%, WMCU meets this threshold.
WMCU operates 14 branch locations and has access to 11 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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WMCU. All financial data is for informational purposes only.