Charter 62049 · Clinton Township, MI
Michigan Schools and Government Credit Union
Michigan Schools and Government Credit Union is a state-chartered credit union in Clinton Township, Michigan, with $4.41 billion in assets and 163,462 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.63%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as MSGCU, MSGCU Financial, MSGCU Investment Services.
- Total assets
- $4.41 billion
- +7.7% in a year
- Members
- 163,462
- +3.1% in a year
- Net worth ratio
- 12.63%
- Peer median 10.79%
- Loans 60+ days late
- 0.61%
- Peer median 0.67%
- Loans outstanding
- $3.80 billion
- +7.7% in a year
- Shares and deposits
- $3.69 billion
- +7.2% in a year
- Branches
- 30
- 487 employees
- Opened
- 1954
- Michigan charter
How Michigan Schools and Government Credit Union compares
NCUA groups credit unions by size; Michigan Schools and Government Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.63% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.61%, is lower than the group median of 0.67%. Loans grew 7.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 6 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 | $4.41 billion | 163,462 | $3.80 billion | 12.63% | 0.61% |
| Q1 2026 | $4.37 billion | 162,111 | $3.71 billion | 12.20% | 0.38% |
| Q4 2025 | $4.28 billion | 161,135 | $3.68 billion | 12.25% | 0.64% |
| Q3 2025 | $4.17 billion | 160,138 | $3.60 billion | 12.33% | 0.55% |
| Q2 2025 | $4.10 billion | 158,593 | $3.53 billion | 12.13% | 0.58% |
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 2.0 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 24 sites for Michigan Schools and Government 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 (main office)
40400 Garfield Rd, Clinton Township, MI 48038 - Shelby
8770 23 Mile Rd, Shelby Township, MI 48316 - Shores
24515 Little Mack Ave, Saint Clair Shores, MI 48080 - Chesterfield
34700 23 Mile Rd, Chesterfield, MI 48047 - Hall Road
45120 Marketplace Blvd, Chesterfield, MI 48051 - Troy
4555 Investment Dr, Troy, MI 48098 - Sterling Heights
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 - Madison Heights
480 W 12 Mile Rd, Madison Heights, MI 48071 - Hayes Road
48945 Hayes Rd, Shelby Township, MI 48315 - Warren
13602 E 14 Mile Rd, Warren, MI 48088 - Royal Oak
31805 Woodward Ave, Royal Oak, MI 48073 - Livonia
20595 Farmington Rd, Livonia, MI 48152 - Mound Road
41031 Mound Rd, Sterling Heights, MI 48314 - Farmington Hills
29657 Orchard Lake Rd, Farmington Hills, MI 48334 - Commerce Township
3230 N Pontiac Trl, Walled Lake, MI 48390 - Saline
6983 E Michigan Ave, Saline, MI 48176 - Ann Arbor
2151 W Stadium Blvd, Ann Arbor, MI 48103 - Macomb
16224 26 Mile Rd, Macomb, MI 48042 - Bloomfield Hills
1943 S Telegraph Rd, Bloomfield Hills, MI 48302 - 26 Mile Road Shelby
8010 26 Mile Rd, Shelby Township, MI 48316 - Canton
44530 Ford Rd, Canton, MI 48187 - Rochester - The Village
2950 Walton Blvd, Rochester Hills, MI 48309 - Rochester Road
2101 S Rochester Rd, Rochester Hills, MI 48307 - Clawson (T&I) Branch
600 N Main St, Clawson, MI 48017
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