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

Unity Credit Union is headquartered in Warren and is the 142nd largest credit union in the state of Michigan. It is also the 2,371st largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 8 employees and 4,598 members at 2 locations. Unity Credit Union has a B+ health rating.

Field of Membership Restrictions

Unity Credit Union membership is open to the following: 1) Members and employees of companies under contract to UAW-CIO Local 408, 360, 329, 203, 189, 157, 155, 160, or 157; 2) Retired and active clergy, elected or appointed lay officers, staff members of Methodist Churches under the Detroit Annual Conference of the Methodist Church, registered members of Henderson Memorial and Hillcrest Churches of Detroit, MI and members of record of Detroit Methodist Conference CU; 3) Anyone over age 55 who receives retirement annuity or pension, SS or similar retirement payment (government or private sources), and live in or belong to a county retirement organization; 4) Members of immediate family or employees of Unity CU. (A comprehensive list of requirements is posted on the credit union's website)
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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 Credit Union has a low asset base.

Health Grade Components

NCUA #62362
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD3.56%
Annual Interest Income$925.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$47.8MM$47.3MM
LoansQ3 2018vs Q3 2017$10.4MM$10.5MM
DepositsQ3 2018vs Q3 2017$39.8MM$39.5MM
Equity CapitalQ3 2018vs Q3 2017$7.9MM$7.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$136.00K$116.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$115.00K$234.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$26.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Unity Credit Union Savings Account Rates

0.25%$15k-High Earning Account
0.25%*$15k*-Individual Retirement Account
OTHER TIERS: 0.10% $100 - $10k | 0.20% $10k - $15k
0.20%*$10k*-Share Savings
OTHER TIERS: 0.10% $100 - $10k

Unity Credit Union Locations
Branch Office7240 E 12 Mile RdWarren, MI 48092
Branch Office25901 Harper AveSaint Clair Shores, MI 48081

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