Charter 61953 · Houghton Lake, MI
North Central Area Credit Union
North Central Area Credit Union is a state-chartered credit union in Houghton Lake, Michigan, with $272 million in assets and 20,640 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.55%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $272 million
- +6.6% in a year
- Members
- 20,640
- +6.3% in a year
- Net worth ratio
- 11.55%
- Peer median 11.65%
- Loans 60+ days late
- 0.95%
- Peer median 0.70%
- Loans outstanding
- $204 million
- +15.3% in a year
- Shares and deposits
- $240 million
- +5.3% in a year
- Branches
- 7
- 66 employees
- Opened
- 1956
- Michigan charter
How North Central Area Credit Union compares
NCUA groups credit unions by size; North Central Area Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.55% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.95%, is higher than the group median of 0.70%. Loans grew 15.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 67 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 | $272 million | 20,640 | $204 million | 11.55% | 0.95% |
| Q1 2026 | $269 million | 20,236 | $192 million | 11.31% | 0.88% |
| Q4 2025 | $261 million | 20,029 | $186 million | 11.25% | 1.58% |
| Q3 2025 | $256 million | 19,635 | $184 million | 11.12% | 1.78% |
| Q2 2025 | $255 million | 19,423 | $177 million | 10.84% | 1.34% |
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 7 sites for North Central Area Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Administration Building (main office)
2665 Reserve Rd, Houghton Lake, MI 48629 - Houghton Lake Branch
2671 Reserve Rd, Houghton Lake, MI 48629 - Roscommon Branch
129 Lake St, Roscommon, MI 48653 - Standish Branch
212 Court St S, Standish, MI 48658 - Grayling Branch
505 Clyde St, Grayling, MI 49738 - Grandville Branch
3140 Ivanrest Ave Sw, Grandville, MI 49418 - Kalamazoo Branch
1313 Portage St, Kalamazoo, MI 49001
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