Overview / Commentary
Copoco Community Credit Union is headquartered in Bay City and is the 115th largest credit union in the state of Michigan. It is also the 1,800th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 19 employees and 7,500 members at 3 locations. Copoco Community Credit Union has a B health rating.
Field of Membership Restrictions
COPOCO Community Credit Union is open to individuals who live, work, worship, or attend school in the Michigan counties of Arenac, Bay, Gladwin, Isabella, Midland, or Saginaw. Immediate family members of those eligible to join also qualify for membership.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 60470 |
| Year Chartered | 1951 |
| Employees | 19 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.07% |
| Return on Equity - YTD | 1.21% |
| Annual Interest Income | $903K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $103.8MM$113MM |
| Loans | Q1 2025vs Q1 2024 | $42.4MM$52.9MM |
| Deposits | Q1 2025vs Q1 2024 | $96.1MM$107.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $6.2MM$4.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $452K$534K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $737K$862K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |