Credit union · NCUA insured
Wexford Community Credit Union
A $87.7M credit union headquartered in Cadillac, MI, with 8,080 members and 2 branches in Michigan. Best rates: CDs 3.50% and savings 0.05% APY.
Wexford Community Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#5 of 5 in Cadillac, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wexford Community Credit Union
Wexford Community Credit Union serves members across Wexford, Missaukee, and Osceola counties in Michigan.
- Headquarters
- 1015 Wilcox St, Cadillac, MI 49601
- NCUA charter
- 65639
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or are educated in Wexford, Missaukee, or Osceola counties are eligible for membership.
Family and household
- Immediate family members of current WCCU members are eligible to join.
Cost to join
- A $5.00 minimum deposit into a Regular Share (Savings) Account is required to establish and maintain membership.
Branches
2 branches in Michigan
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Michigan
2 branches
- Wexford Community Credit Union1021 N Mitchell St, Cadillac, MI 49601Directions
- Wexford Community Credit Union4817 S Morey Rd, Lake City, MI 49651Directions
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 | 8.57% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.81% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.45% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio8.57%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.81%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.45%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ 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 Wexford Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.