Charter 61708 · Kalamazoo, MI
Arbor Financial Credit Union
Arbor Financial Credit Union is a state-chartered credit union in Kalamazoo, Michigan, with $899 million in assets and 47,138 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.62%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as ECCU, Educational Community CU, AFCU.
- Total assets
- $899 million
- -0.4% in a year
- Members
- 47,138
- +0.8% in a year
- Net worth ratio
- 10.62%
- Peer median 10.79%
- Loans 60+ days late
- 1.81%
- Peer median 0.67%
- Loans outstanding
- $685 million
- -1.2% in a year
- Shares and deposits
- $771 million
- -0.5% in a year
- Branches
- 13
- 195 employees
- Opened
- 1935
- Michigan charter
How Arbor Financial Credit Union compares
NCUA groups credit unions by size; Arbor Financial Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.62% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.81%, is higher than the group median of 0.67%. Loans fell 1.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 33 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $899 million | 47,138 | $685 million | 10.62% | 1.81% |
| Q1 2026 | $905 million | 47,329 | $679 million | 10.34% | 1.28% |
| Q4 2025 | $914 million | 47,036 | $686 million | 10.15% | 1.74% |
| Q3 2025 | $898 million | 46,909 | $687 million | 9.98% | 1.47% |
| Q2 2025 | $902 million | 46,775 | $693 million | 9.77% | 1.80% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 10 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 13 sites for Arbor Financial Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
1551 S 9Th St, Kalamazoo, MI 49009 - Kalamazoo Office
5991 Gull Rd, Kalamazoo, MI 49048 - Centre Ave Office
2019 W Centre Ave, Portage, MI 49024 - Three Rivers Office
811 W Michigan Ave, Three Rivers, MI 49093 - Paw Paw Office
315 E Saint Joseph St, Paw Paw, MI 49079 - Gull Road
5991 Gull Rd, Kalamazoo, MI 49048 - Lawrence
701 S Paw Paw St, Lawrence, MI 49064 - Otsego-Plainwell Office
1389 M-89, Otsego, MI 49078 - Portage Road Office
8910 Portage Rd, Portage, MI 49002 - Westnedge Ave Office
5250 S Westnedge Ave, Portage, MI 49002 - Wyoming Office
2757 44Th St Sw, Wyoming, MI 49519 - Caledonia Office
7200 Kalamazoo Ave Se, Caledonia, MI 49316 - Hudsonville Office
3961 32Nd Ave, Hudsonville, MI 49426
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology