Credit union · NCUA insured
TCU
A $79.2M credit union headquartered in Hastings, MI, with 8,550 members and 3 branches in Michigan. Best rates: CDs 4.25% and savings 0.35% APY.
TCU Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#18 of 48 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TCU
Thornapple Credit Union is a member-owned cooperative financial institution headquartered in Hastings, Michigan.
- Headquarters
- 202 E Woodlawn Ave, Hastings, MI 49058
- NCUA charter
- 62196
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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Barry County or counties surrounding Barry County.
Branches
3 branches in Michigan
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Michigan
3 branches
- Main OfficeMain office202 E Woodlawn Ave, Hastings, MI 49058Directions
- Branch108 S Grove St, Delton, MI 49046Directions
- Branch410 S Broadway St, Middleville, MI 49333Directions
Walk-in offices from the NCUA directory as of June 30, 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 | 9.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $86 | $59 | — |
- CapitalNet worth ratio9.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$86Peers’ 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 TCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.