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Overview / Commentary
1086 Creston St
Muskegon, MI 49442

Michigan Coastal Credit Union is headquartered in Muskegon and is the 201st largest credit union in the state of Michigan. It is also the 3,570th largest credit union in the nation. It was established in 1958 and as of September of 2016, it had grown to 5 employees and 3,569 members at 1 location. Michigan Coastal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, worship or work in Muskegon County in Michigan and to anyone age 55 and over who receive retirement payments and live in Muskegon County or a contiguous county.
See current membership details


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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. Michigan Coastal Credit Union has a low asset base.

Health Grade Components

NCUA #61631
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-0.92%
Annual Interest Income$630.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$18.0MM$17.2MM
LoansQ3 2016vs Q3 2015$13.6MM$13.9MM
DepositsQ3 2016vs Q3 2015$14.0MM$12.5MM
Equity CapitalQ3 2016vs Q3 2015$1.6MM$1.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$160.00K$64.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$100.00K$79.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0

Rates for Michigan Coastal Credit Union are currently being reviewed.


Michigan Coastal Credit Union Locations
Branch Office1086 Creston StMuskegon, MI 49442