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Integra First Federal Credit Union


Overview / Commentary
www.integrafirstfcu.com
906-497-5229
W3803 US Highway 2/41
Powers, MI 49874-9793

Integra First Federal Credit Union is headquartered in Powers and is the 103rd largest credit union in the state of Michigan. It is also the 1,652nd largest credit union in the nation. It was established in 1948 and as of December of 2019, it had grown to 25 employees and 11,330 members at 3 locations. Integra First Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to Integra First Federal Credit Union is open to those who live, work, worship, or attend school in the Michigan counties of Delta, Dickinson, or Menominee, or the Wisconsin counties of Florence or Marinette. Other legal entities in the same Michigan and Wisconsin counties also qualify for membership.
See current membership details

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Health
B+

Data as of Q4 2019

Learn why bank health matters
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. Integra First Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #5748
Year Chartered1948
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD2.8%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$97.6MM$95.4MM
LoansQ4 2019vs Q4 2018$55.2MM$56.5MM
DepositsQ4 2019vs Q4 2018$87.4MM$84.9MM
Equity CapitalQ4 2019vs Q4 2018$9.8MM$9.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$141.00K$91.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$454.00K$112.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$25.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Integra First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$10-IRA Account
0.10%$10-Regular Savings Account
0.10%--Christmas Club Account
0.10%--Vacation Club Account

Integra First Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-Money Market Account
OTHER TIERS: 0.20% → $500 - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k

Integra First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$10k-5 Year Term Certificate
1.72%$500-4 Year Term Certificate
0.91%$500-3 Year Term Certificate
0.66%$500-2 Year Term Certificate
0.46%$500-1 Year Term Certificate
0.26%$2.5k-6 Month Term Certificate

Integra First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$10k-5 Year IRA
1.72%$500-4 Year IRA
0.91%$500-3 Year IRA
0.66%$500-2 Year IRA
0.46%$500-1 Year IRA
0.26%$2.5k-6 Month IRA
Locations


Integra First Federal Credit Union Locations
Branch Office2600 10th StMenominee, MI 49858-1904
Branch OfficeW3803 US Highway 2/41Powers, MI 49874-9793
Branch OfficeS320 US HIGHWAY 41Stephenson, MI 49887

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