North Central Area Credit Union

Overview / Commentary
2665 Reserve Rd
Houghton Lake, MI 48629

North Central Area Credit Union is headquartered in Houghton Lake and is the 87th largest credit union in the state of Michigan. It is also the 1,374th largest credit union in the nation. It was established in 1956 and as of June of 2022, it had grown to 35 employees and 14,686 members at 5 locations. North Central Area Credit Union has a B+ health rating.

Field of Membership Restrictions

North Central Area Credit Union is open to anyone who lives, works, worships, goes to school or volunteers in Alpena, Alcona, Arenac, Antrim, Bay, Benzie, Cheboygan, Charlevoix, Clare, Crawford, Emmet, Grand Traverse, Gladwin, Huron, Isabella, Iosco, Kalkaska, Leelanau, Lake, Manistee, Mecosta, Mason, Midland, Montmorency, Missaukee, Newaygo, Ogemaw, Oceana, Osceola, Otsego, Oscoda, Presque Isle, Roscommon, Sanilac, Wexford, or Tuscola counties.
See current membership details


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #61953
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD5.16%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$172.6MM$163.1MM
LoansQ2 2022vs Q2 2021$61.5MM$50.3MM
DepositsQ2 2022vs Q2 2021$164.6MM$149.9MM
Equity CapitalQ2 2022vs Q2 2021$6.7MM$11.7MM
Loan Loss AllowanceQ2 2022vs Q2 2021$311.00K$394.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$188.00K$102.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for North Central Area Credit Union are currently being reviewed.


North Central Area Credit Union Locations
Branch Office2665 Reserve RdHoughton Lake, MI 48629-7900
Branch Office505 Clyde StGrayling, MI 49738
Branch Office212 Court St SStandish, MI 48658
Branch Office2671 Reserve RdHoughton Lake, MI 48629
Branch Office129 Lake StRoscommon, MI 48653-7658

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.