Credit union · NCUA insured
PFCU
A $858.9M credit union headquartered in Portland, MI, with 57,192 members and 13 branches in Michigan. Best rates: CDs 3.80% and savings 0.25% APY.
PFCU Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#31 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PFCU
- Headquarters
- 9077 Charlotte Hwy, Portland, MI 48875
- NCUA charter
- 68690
Branches
13 branches in Michigan
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Michigan
13 branches
Grand Rapids area · 5
- Portland OfficeMain office9077 Charlotte Hwy, Portland, MI 48875Directions
- Caledonia Office6451 Cherry Meadow Dr SE, Caledonia, MI 49316Directions
- Ionia Office4035 S State Rd, Ionia, MI 48846Directions
- Lake Odessa Office2025 Lapo Rd, Lake Odessa, MI 48849Directions
- Lowell Office11635 Fulton St E Ste 400, Lowell, MI 49331Directions
Owosso area · 3
- Durand Office311 N Saginaw St, Durand, MI 48429Directions
- Owosso Office1465 N M-52 Michigan 52, Owosso, MI 48867Directions
- Perry Office150 S Main, Perry, MI 48872Directions
Flint area · 3
- Genesee Valley Office3378 Lennon Rd, Flint, MI 48507Directions
- VanSlyke OfficeG3311 VanSlyke Rd, Flint, MI 48507Directions
- Swartz Creek Office9189 Miller Rd, Swartz Creek, MI 48473Directions
Lansing area · 2
- Lansing Office644 Migaldi Ln, Lansing, MI 48917Directions
- Westphalia Office102 W Main St, Westphalia, MI 48894Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.29% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.36% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio11.29%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.36%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ 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 PFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.