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Overview / Commentary
906-387-3839
200 E STATE HIGHWAY M28
Munising, MI 49862

Upper Michigan Community Credit Union is headquartered in Munising and is the 161st largest credit union in the state of Michigan. It is also the 2,714th largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 13 employees and 4,448 members at 2 locations. Upper Michigan Community Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, own property or work in Delta, Alger, Schoolcraft, or Marquette Counties.
See current membership details

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Health
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. Upper Michigan Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #62138
Year Chartered1954
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD4.34%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$35.1MM$33.5MM
LoansQ4 2016vs Q4 2015$21.8MM$21.4MM
DepositsQ4 2016vs Q4 2015$31.9MM$30.7MM
Equity CapitalQ4 2016vs Q4 2015$2.7MM$2.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$201.00K$159.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$181.00K$194.00K
Real Estate OwnedQ4 2016vs Q4 2015$17.00K$54.00K
Rates
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Upper Michigan Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--IRAs
0.30%--Roth IRA
0.30%--Educational IRA
0.05%--Shares
0.05%--Christmas Club

Upper Michigan Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.84%--4 Year CD
0.74%--3 Year CD
0.60%--2 Year CD
0.45%--1 & 1/2 Year CD
0.30%--1 Year CD
0.20%--6 Month CD
0.05%--3 Month CD
Locations


Upper Michigan Community Credit Union Locations
Branch Office200 E STATE HIGHWAY M28Munising, MI 49862
Branch Office2906 E State Hwy M67Trenary, MI 49891