Credit union · NCUA insured
Shore to Shore Community Federal Credit Union
A $85.2M credit union headquartered in Trenton, MI, with 5,262 members and 2 branches in Michigan. Best rates: CDs 2.95% and savings 0.55% APY.
Shore to Shore Community Federal Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#40 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Shore to Shore Community Federal Credit Union
Chartered in 1953 as Trenton Chrysler Employees Federal Credit Union to serve three Chrysler plants, the credit union became Trenton Federal Credit Union in 1960 and Shore to Shore Community FCU in 2010.
The member-owned institution serves individuals who live, work, or worship in fifteen Downriver Michigan communities including Trenton, Woodhaven, and Grosse Ile.
- Headquarters
- 4550 Division St, Trenton, MI 48183
- NCUA charter
- 8349
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, or worship in Allen Park, Brownstown, Ecorse, Flat Rock, Gibraltar, Grosse Ile, Lincoln Park, Melvindale, River Rouge, Riverview, Rockwood, Southgate, Trenton, Woodhaven, or Wyandotte.
Cost to join
- An initial share deposit of $5 is required to open an account, with $25 required to avoid under minimum balance fees.
Branches
2 branches in Michigan
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Michigan
2 branches
- Main OfficeMain office4550 Division St, Trenton, MI 48183Directions
- Woodhaven Office21701 Allen Rd, Woodhaven, MI 48183Directions
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 | 12.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.73% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.64% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $38 | $59 | — |
- CapitalNet worth ratio12.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.73%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.64%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$38Peers’ 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 Shore to Shore Community 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.