Charter 62028 · Royal Oak, MI
Our Credit Union
Our Credit Union is a state-chartered credit union in Royal Oak, Michigan, with $375 million in assets and 23,559 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.98%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $375 million
- +4.1% in a year
- Members
- 23,559
- -0.0% in a year
- Net worth ratio
- 9.98%
- Peer median 11.65%
- Loans 60+ days late
- 0.48%
- Peer median 0.70%
- Loans outstanding
- $239 million
- +8.9% in a year
- Shares and deposits
- $347 million
- +2.8% in a year
- Branches
- 5
- 86 employees
- Opened
- 1959
- Michigan charter
How Our Credit Union compares
NCUA groups credit unions by size; Our Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.98% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.48%, is lower than the group median of 0.70%. Loans grew 8.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 55 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 | $375 million | 23,559 | $239 million | 9.98% | 0.48% |
| Q1 2026 | $370 million | 23,532 | $226 million | 9.94% | 0.45% |
| Q4 2025 | $360 million | 23,626 | $223 million | 10.06% | 0.56% |
| Q3 2025 | $354 million | 23,668 | $222 million | 10.07% | 0.62% |
| Q2 2025 | $360 million | 23,567 | $220 million | 9.71% | 0.62% |
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 100,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Our Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Normandy Office (main office)
3070 Normandy Rd, Royal Oak, MI 48073 - 12 Mile Road Office
5625 E 12 Mile Rd, Warren, MI 48092 - Washington Office
726 S Washington Ave, Royal Oak, MI 48067 - Rochester Rd
6693 Rochester Rd, Troy, MI 48085 - Shelby Township Office
54870 Mound Rd, Shelby Township, MI 48316 - Admin Site
550 Stephenson Hwy Ste 410, 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