Credit union · NCUA insured
TBA Credit Union
A $383.8M credit union headquartered in Traverse City, MI, with 20,600 members and 2 branches in Michigan. Best rates: CDs 3.75% and savings 0.50% APY.
TBA Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#9 of 16 in Traverse City, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TBA Credit Union
TBA Credit Union is based in Traverse City, Michigan, and was founded in 1955 by a small group of local educators who created a cooperative to support one another financially.
The member-owned credit union serves more than 20,000 members across Michigan.
- Headquarters
- 630 E Front St, Traverse City, MI 49686-2618
- NCUA charter
- 61795
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This may be incomplete or out of date, so check with the credit union before you apply.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
- You can join if you live, work, attend school, or worship in Michigan.
Employers and groups
- You can join if you are a TBACU employee.
Military, government and schools
- You can join if you are an alumnus of Northwestern Michigan College.
Family and household
- You can join if you are an immediate family member of an eligible individual.
- You can join if you are the spouse of a deceased member (before remarriage).
Other ways
- You can join if you are an individual receiving retirement income who lives in or belongs to a retirement group in the region.
Branches
2 branches in Michigan
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Michigan
2 branches
- Front StreetMain office630 E Front St, Traverse City, MI 49686Directions
- South Airport2900 W South Airport Rd, Traverse City, MI 49684Directions
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 | 14.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.21% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio14.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ 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 TBA Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.