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Overview / Commentary
7240 E 12 Mile Rd
Warren, MI 48092

Unity CU (MI) is headquartered in Warren and is the 147th largest credit union in the state of Michigan. It is also the 2,396th largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 10 employees and 5,258 members at 2 locations. Unity CU (MI) has a B+ health rating.


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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. Unity CU (MI) has a low asset base.

Health Grade Components

NCUA #62362
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD2.17%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$46.9MM$46.1MM
LoansQ4 2016vs Q4 2015$11.7MM$11.7MM
DepositsQ4 2016vs Q4 2015$39.3MM$38.7MM
Equity CapitalQ4 2016vs Q4 2015$7.6MM$7.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$135.00K$219.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$160.00K$175.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

Rates for Unity CU (MI) are currently being reviewed.


Unity CU (MI) Locations
Branch Office7240 E 12 Mile RdWarren, MI 48092
Branch Office25901 Harper AveSaint Clair Shores, MI 48081