NCUA merger report, Q2 2025
Copoco Community merger into Elga Credit Union
NCUA's Merger Activity and Insurance Report for Q2 2025 lists Copoco Community, of Bay City, MI, as merging into Elga Credit Union, of Grand Blanc, MI. NCUA records the reason as "poor management". Copoco Community last filed a call report for Q2 2025, with $104.3M in assets and 7,473 members.
Members of Copoco Community become members of Elga Credit Union. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | Copoco CommunityQ2 2025 | Elga Credit UnionQ2 2026 |
|---|---|---|
| Assets | $104.3M | $2.5B |
| Members | 7,473 | 117,308 |
| Net worth ratio | 8.41% | 17.80% |
| Offices | – | 23 |
| Paid on deposits | – | 1.97% |
| New auto loan rate | – | 5.75% |
| Fee income per member | – | $160 |
Figures for Copoco Community are from its call report for Q2 2025; this page carries only its size and capital. Assets for the report quarter: $101.5M merging, $1.6B continuing.
On our member-value score, built only from call-report data, Elga Credit Union scores 45.0 out of 100.
Elga Credit Union offices near Bay City
From NCUA's branch file for Q2 2026, in Bay City first and then elsewhere in MI. Every Elga Credit Union location
Bay City, MI 2
- Straits 1479 Straits Dr, Bay City, MI 48706 Drive-through · ATM
- Wilder 4265 Wilder Rd, Bay City, MI 48706 Drive-through · ATM
Burton, MI 1
- Burton 2303 S Center Rd, Burton, MI 48519 Drive-through · ATM
Clio, MI 1
- Clio 7026 W Vienna Rd, Clio, MI 48420 Drive-through · ATM
Davison, MI 1
- Davison 8415 Davison Rd, Davison, MI 48423 Drive-through · ATM
Flint, MI 1
- Flint VG's 5072 Corunna Rd, Flint, MI 48532 ATM
Flushing, MI 1
- Flushing 6243 W Pierson Rd, Flushing, MI 48433 Drive-through · ATM
Lapeer, MI 1
- Lapeer 799 S Harrison St, Lapeer, MI 48446 Drive-through · ATM
Source: NCUA Merger Activity and Insurance Report, Q2 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 · Elga Credit Union full figures
Questions people ask
Did Copoco Community merge?
Yes. NCUA's Merger Activity and Insurance Report for Q2 2025 lists Copoco Community, of Bay City, MI, as merging into Elga Credit Union, of Grand Blanc, MI. Its last call report was for Q2 2025.
Why did Copoco Community merge?
NCUA records the reason as "poor management". 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 Copoco Community account?
Members and their accounts move to Elga Credit Union, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice Elga Credit Union sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. Elga 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 Elga Credit Union before the merger, your balances are now at one credit union.