Credit union · NCUA insured
North Central Area Credit Union
Top CarrotA $269.4M credit union headquartered in Houghton Lake, MI, with 20,236 members and 7 branches in Michigan. Best rates: CDs 4.35% and savings 1.90% APY.
North Central Area Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#2 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About North Central Area Credit Union
Established in 1956 as North Central State Employees Credit Union, North Central Area Credit Union is a member-owned financial cooperative.
The institution adopted its current name in 1985 and completed mergers with Top Seven, Standish Community, and First United Credit Unions.
The credit union serves individuals who live, work, worship, or attend school in the State of Michigan.
- Headquarters
- 2665 Reserve Rd, Houghton Lake, MI 48629
- NCUA charter
- 61953
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Branches
7 branches in Michigan
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Michigan
7 branches
Houghton Lake area · 2
- Administration BuildingMain office2665 Reserve Rd, Houghton Lake, MI 48629Directions
- Houghton Lake Branch2671 Reserve Rd, Houghton Lake, MI 48629Directions
Grand Rapids area · 1
- Grandville Branch3140 Ivanrest AVE SW, Grandville, MI 49418Directions
Grayling area · 1
- Grayling Branch505 Clyde St, Grayling, MI 49738Directions
Kalamazoo area · 1
- Kalamazoo Branch1313 Portage St, Kalamazoo, MI 49001Directions
Roscommon area · 1
- Roscommon Branch129 Lake St, Roscommon, MI 48653Directions
Standish area · 1
- Standish Branch212 Court St S, Standish, MI 48658Directions
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 | 11.55% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.95% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio11.55%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.95%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ 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 North Central Area Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.