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North Central Area Credit Union


Overview / Commentary
ncacu.org
989-366-5135
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.
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Health
B+

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #61953
Year Chartered1956
Employees35
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

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

Locations


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

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