Credit union · NCUA insured
Integra First Federal Credit Union
A $135.6M credit union headquartered in Powers, MI, with 11,554 members and 4 branches in Michigan. Best rates: CDs 3.04% APY.
Integra First Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#6 of 13 in Marinette, WI-MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Integra First Federal Credit Union
Integra First Federal Credit Union is a locally owned and operated financial institution serving select counties across Michigan's Upper Peninsula and Northeast Wisconsin.
- Headquarters
- W3803 US Highway 2/41, Powers, MI 49874-9793
- NCUA charter
- 5748
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or is associated with other legal entities in Baraga, Delta, Dickinson, Houghton, Iron, Marquette, and Menominee counties in Michigan, and Brown, Calumet, Door, Florence, Forest, Kewaunee, Manitowoc, Marinette, Oconto, Outagamie, and Shawano counties in Wisconsin.
Cost to join
- Opening a Share (Savings) Account with a minimum deposit of $5 is required to join.
Branches
4 branches in Michigan
Loading map…
Michigan
4 branches
- Powers BranchMain officeW3803 US Highway 2/41, Powers, MI 49874Directions
- Menominee Branch2600 10th St, Menominee, MI 49858Directions
- Menominee High School Branch2101 18th St, Menominee, MI 49858Directions
- stephenson branchS320 US Highway 41, Stephenson, MI 49887Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.03% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.99% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio9.03%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.99%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Integra First Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.