Charter 4271 · Rochester Hills, MI
Chief Financial Federal Credit Union
Chief Financial Federal Credit Union is a federally chartered credit union in Rochester Hills, Michigan, with $250 million in assets and 21,238 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.89%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $250 million
- +5.0% in a year
- Members
- 21,238
- +2.7% in a year
- Net worth ratio
- 9.89%
- Peer median 11.65%
- Loans 60+ days late
- 0.57%
- Peer median 0.70%
- Loans outstanding
- $185 million
- +13.0% in a year
- Shares and deposits
- $223 million
- +5.1% in a year
- Branches
- 4
- 50 employees
- Opened
- 1941
- Federal charter
How Chief Financial Federal Credit Union compares
NCUA groups credit unions by size; Chief Financial Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.89% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.57%, is lower than the group median of 0.70%. Loans grew 13.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 73 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 | $250 million | 21,238 | $185 million | 9.89% | 0.57% |
| Q1 2026 | $255 million | 20,984 | $181 million | 9.57% | 0.86% |
| Q4 2025 | $248 million | 21,069 | $177 million | 9.74% | 0.49% |
| Q3 2025 | $245 million | 22,049 | $171 million | 9.78% | 0.49% |
| Q2 2025 | $238 million | 20,684 | $164 million | 9.96% | 0.39% |
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 40,000 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 5 sites for Chief Financial Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Pontiac Branch
790 Joslyn Ave, Pontiac, MI 48340 - Dearborn Branch
4080 Schaefer Rd, Dearborn, MI 48126 - Headquarters (main office)
200 Diversion St Ste 200, Rochester Hills, MI 48307 - Rochester Branch
20 S. Main Street, Rochester, MI 48307 - Troy Branch
751 E. Big Beaver Road, Troy, MI 48083
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