Charter 61698 · Auburn Hills, MI
Michigan United Credit Union
Michigan United Credit Union is a state-chartered credit union in Auburn Hills, Michigan, with $349 million in assets and 23,946 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.98%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Metro North Credit Union, Lakes Community Credit Union.
- Total assets
- $349 million
- +3.7% in a year
- Members
- 23,946
- +0.3% in a year
- Net worth ratio
- 11.98%
- Peer median 11.65%
- Loans 60+ days late
- 0.10%
- Peer median 0.70%
- Loans outstanding
- $221 million
- +3.5% in a year
- Shares and deposits
- $305 million
- +3.7% in a year
- Branches
- 9
- 94 employees
- Opened
- 1931
- Michigan charter
How Michigan United Credit Union compares
NCUA groups credit unions by size; Michigan United Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.98% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.10%, is lower than the group median of 0.70%. Loans grew 3.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 60 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 | $349 million | 23,946 | $221 million | 11.98% | 0.10% |
| Q1 2026 | $346 million | 24,056 | $224 million | 11.91% | 0.09% |
| Q4 2025 | $336 million | 24,143 | $225 million | 12.20% | 0.31% |
| Q3 2025 | $332 million | 24,022 | $220 million | 12.16% | 0.24% |
| Q2 2025 | $337 million | 23,881 | $214 million | 11.73% | 0.15% |
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.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Michigan United Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Birmingham
576 E Lincoln St, Birmingham, MI 48009 - Holly
15156 N Holly Rd, Holly, MI 48442 - Lake Orion
350 N Park Blvd, Lake Orion, MI 48362 - Shelby Township
13643 23 Mile Rd, Shelby Township, MI 48315 - Waterford North
4770 Dixie Hwy, Waterford, MI 48329 - Shores
25901 Harper Ave, Saint Clair Shores, MI 48081 - Warren
30160 Van Dyke Ave, Warren, MI 48093 - Auburn Hills (main office)
3501 Hamlin Rd, Auburn Hills, MI 48326 - Waterford West
6375 Highland Rd, Waterford, MI 48327
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