Overview / Commentary
800 1st St Room 212
Muskegon, MI 49440

West Michigan Postal Service Federal Credit Union is headquartered in Muskegon and is the 214th largest credit union in the state of Michigan. It is also the 4,515th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 2 employees and 842 members at 1 location. West Michigan Postal Service Federal Credit Union's CD rates are 61% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in West Michigan Postal Service Federal Credit Union is open to employees and retirees of the U.S. Postal Service working in Muskegon, North Muskegon, Muskegon Heights, Montague, Fruitport, Whitehall, Holton, Twin Lake, Ravenna, Grand Rapids, Ada, Spring Lake, Ferrysburg, Nunica, Grand Haven, Coopersville, Conklin, Lamont, Marne, or Allendale, Michigan.
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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. West Michigan Postal Service Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #7910
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.78%
Return on Equity - YTD18.82%
Annual Interest Income$142.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$6.1MM$6.1MM
LoansQ2 2018vs Q2 2017$4.2MM$4.2MM
DepositsQ2 2018vs Q2 2017$5.5MM$5.5MM
Equity CapitalQ2 2018vs Q2 2017$574.00K$501.00K
Loan Loss AllowanceQ2 2018vs Q2 2017$26.00K$33.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$83.00K$125.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

West Michigan Postal Service Federal Credit Union Savings Account Rates

0.15%*$55k*-Share Savings
OTHER TIERS: 0.05% $251 - $5k | 0.07% $5k - $25k | 0.10% $25k - $55k

West Michigan Postal Service Federal Credit Union CD Rates

2.64%--60 Month CD
2.11%--36 Month CD
1.84%--24 Month CD
1.45%--12 Month CD
1.30%--9 Month CD
1.13%--6 Month CD
0.93%--3 Month CD

West Michigan Postal Service Federal Credit Union Locations
Branch Office800 1st St Room 212Muskegon, MI 49440

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