Charter 63805 · Sterling Heights, MI
Christian Financial Credit Union
Christian Financial Credit Union is a state-chartered credit union in Sterling Heights, Michigan, with $1.12 billion in assets and 61,542 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.93%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.12 billion
- +19.8% in a year
- Members
- 61,542
- +11.2% in a year
- Net worth ratio
- 9.93%
- Peer median 10.79%
- Loans 60+ days late
- 0.46%
- Peer median 0.67%
- Loans outstanding
- $817 million
- +17.2% in a year
- Shares and deposits
- $984 million
- +20.7% in a year
- Branches
- 12
- 199 employees
- Opened
- 1967
- Michigan charter
How Christian Financial Credit Union compares
NCUA groups credit unions by size; Christian Financial Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.93% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.46%, is lower than the group median of 0.67%. Loans grew 17.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 24 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 | $1.12 billion | 61,542 | $817 million | 9.93% | 0.46% |
| Q1 2026 | $1.11 billion | 61,556 | $794 million | 9.76% | 0.22% |
| Q4 2025 | $1.09 billion | 61,650 | $785 million | 9.86% | 0.31% |
| Q3 2025 | $1.06 billion | 61,822 | $779 million | 10.02% | 0.29% |
| Q2 2025 | $934 million | 55,338 | $697 million | 10.34% | 0.33% |
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 Christian 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.
- Center Line
8171 E 10 Mile Rd, Center Line, MI 48015 - Chesterfield
25450 23 Mile Rd, Chesterfield, MI 48051 - Harper Woods
19770 Harper Ave, Harper Woods, MI 48225 - Shelby
55834 Van Dyke Ave, Shelby Township, MI 48316 - Sterling Heights
13705 Lakeside Cir, Sterling Heights, MI 48313 - Livonia Branch
33036 7 Mile Rd, Livonia, MI 48152 - Novi Branch
41690 W 10 Mile Rd, Novi, MI 48375 - St. Clair Shores Branch
31065 Harper Ave, Saint Clair Shores, MI 48082 - Westward Way (main office)
35100 Van Dyke Ave, Sterling Heights, MI 48312 - Clinton Township
37321 Garfield Rd, Clinton Township, MI 48036 - Roseville South
27454 Gratiot Ave, Roseville, MI 48066 - Livonia South
36111 5 Mile Rd, Livonia, MI 48154 - Plymouth
8817 N Sheldon Rd, Plymouth, MI 48170
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