Credit union · NCUA insured
Montcalm Public Employees Credit Union
A $27.1M credit union headquartered in Edmore, MI, with 1,769 members and 1 branch in Michigan. Best rates: CDs 3.50% and savings 0.30% APY.
Montcalm Public Employees Credit Union Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#45 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Montcalm Public Employees Credit Union
Montcalm Public Employees Credit Union is a member-owned cooperative financial institution based in Edmore, Michigan.
- Headquarters
- 1157 E Main St, Edmore, MI 48829-7302
- NCUA charter
- 61999
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to employees of educational facilities located in the Montcalm Area Intermediate School District, including the Boards of Education.
- Membership is open to employees and elected and appointed officials of all villages, municipalities, and townships, as well as county employees of Montcalm County.
- Membership is open to federal employees residing or employed in Montcalm County.
Family and household
- Membership is open to members of the immediate families of eligible members.
- A spouse of a deceased member may be elected to membership at any time prior to remarriage.
2 more ways to join
Other ways
- Membership is open to persons on pension arising from qualifying employment.
- Membership is open to organizations composed mostly of persons eligible for membership.
Branches
1 branch in Michigan
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Michigan
1 branch
- Montcalm Public Employees Credit UnionMain office1157 E Main St, Edmore, MI 48829Directions
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 | 16.88% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.19% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $31 | $59 | — |
- CapitalNet worth ratio16.88%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.19%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$31Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Montcalm Public Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.