Overview / Commentary
1012 S 11th St
Niles, MI 49120

Four Flags Area Credit Union is headquartered in Niles and is the 215th largest credit union in the state of Michigan. It is also the 4,755th largest credit union in the nation. It was established in 1958 and as of September of 2018, it had grown to 3 employees and 861 members at 1 location. Four Flags Area Credit Union has a C+ health rating.

Field of Membership Restrictions

Four Flags Area Credit Union of Michigan is open to the registered businesses, accredited organizations, residents, church members, and the people that maintain employment within these qualified counties in Michigan: Berrien and Cass as well as St. Joseph County in Indiana. Membership eligibility also includes the family members of these mentioned eligible candidates and the widows/widowers of deceased credit union members.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Four Flags Area Credit Union has a very low asset base.

Health Grade Components

NCUA #62044
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD-0.87%
Return on Equity - YTD-8.89%
Annual Interest Income$123.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$4.3MM$4.1MM
LoansQ3 2018vs Q3 2017$3.0MM$2.9MM
DepositsQ3 2018vs Q3 2017$3.6MM$3.6MM
Equity CapitalQ3 2018vs Q3 2017$420.00K$455.00K
Loan Loss AllowanceQ3 2018vs Q3 2017$18.00K$18.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$32.00K$24.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Four Flags Area Credit Union Savings Account Rates

0.40%*$10k*-IRA Account
OTHER TIERS: 0.20% $100 - $10k
0.20%*$25k*-Funds Management Account
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k
0.05%$100-Regular Shares
0.05%$100-Christmas Club Account
0.05%$100-Vacation Club Account

Four Flags Area Credit Union CD Rates

0.75%*$1k*-24 Month CD
OTHER TIERS: 0.38% $500 - $1k
0.55%*$1k*-12 Month CD
OTHER TIERS: 0.28% $500 - $1k
0.35%*$1k*-6 Month CD
OTHER TIERS: 0.18% $500 - $1k

Four Flags Area Credit Union Locations
Branch Office1012 S 11th StNiles, MI 49120

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