NCUA merger report, Q4 2025
Community Promise merger into North Central Area Credit Union
NCUA's Merger Activity and Insurance Report for Q4 2025 lists Community Promise, of Kalamazoo, MI, as merging into North Central Area Credit Union, of Houghton Lake, MI. NCUA records the reason as "poor financial condition". Community Promise last filed a call report for Q3 2025, with $611K in assets and 246 members.
Members of Community Promise become members of North Central Area Credit Union. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | Community PromiseQ3 2025 | North Central Area Credit UnionQ2 2026 |
|---|---|---|
| Assets | $611K | $271.7M |
| Members | 246 | 20,640 |
| Net worth ratio | 6.64% | 11.55% |
| Offices | – | 7 |
| Paid on deposits | – | 1.54% |
| New auto loan rate | – | 5.74% |
| Fee income per member | – | $124 |
Figures for Community Promise are from its call report for Q3 2025; this page carries only its size and capital. Assets for the report quarter: $718K merging, $254.8M continuing.
On our member-value score, built only from call-report data, North Central Area Credit Union scores 45.8 out of 100.
North Central Area Credit Union offices near Kalamazoo
From NCUA's branch file for Q2 2026, in Kalamazoo first and then elsewhere in MI. Every North Central Area Credit Union location
Grandville, MI 1
- Grandville Branch 3140 Ivanrest Ave Sw, Grandville, MI 49418 Drive-through
Grayling, MI 1
- Grayling Branch 505 Clyde St, Grayling, MI 49738 Drive-through · ATM
Houghton Lake, MI 2
- Administration Building 2665 Reserve Rd, Houghton Lake, MI 48629 Main office
- Houghton Lake Branch 2671 Reserve Rd, Houghton Lake, MI 48629 Drive-through · ATM
Kalamazoo, MI 1
- Kalamazoo Branch 1313 Portage St, Kalamazoo, MI 49001
Roscommon, MI 1
- Roscommon Branch 129 Lake St, Roscommon, MI 48653 Drive-through · ATM
Standish, MI 1
- Standish Branch 212 Court St S, Standish, MI 48658 Drive-through · ATM
Source: NCUA Merger Activity and Insurance Report, Q4 2025, and NCUA 5300 call reports. The report quarter is when the approval was listed; the merger may take effect later. Not affiliated with NCUA or either credit union. · All recent mergers · North Central Area Credit Union full figures
Questions people ask
Did Community Promise merge?
Yes. NCUA's Merger Activity and Insurance Report for Q4 2025 lists Community Promise, of Kalamazoo, MI, as merging into North Central Area Credit Union, of Houghton Lake, MI. Its last call report was for Q3 2025.
Why did Community Promise merge?
NCUA records the reason as "poor financial condition". That is the category NCUA's report gives; the credit unions' own merger notice to members explains it in more detail.
What happens to my Community Promise account?
Members and their accounts move to North Central Area Credit Union, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice North Central Area Credit Union sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. North Central Area Credit Union is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. If you also had accounts at North Central Area Credit Union before the merger, your balances are now at one credit union.