RANKING ·
Largest net interest margin improvement in Michigan
113 of 169 credit unions in Michigan that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Trunorth Federal Credit Union | Ishpeming, MI | +62 bps | $203 million |
| 2 | Compass Credit Union | Sparta, MI | +55 bps | $101 million |
| 3 | Sunrise Family Credit Union | Bay City, MI | +50 bps | $133 million |
| 4 | Breakwater Federal Credit Union | Houghton, MI | +49 bps | $138 million |
| 5 | Walled Lake Schools Federal Credit Union | Wolverine Lake, MI | +46 bps | $138 million |
| 6 | Kalsee Credit Union | Kalamazoo, MI | +44 bps | $292 million |
| 7 | United Bay Community Credit Union | Bay City, MI | +43 bps | $302 million |
| 8 | Community West Credit Union | Kentwood, MI | +43 bps | $252 million |
| 9 | Peninsula Federal Credit Union | Escanaba, MI | +42 bps | $356 million |
| 10 | United Financial Credit Union | Saginaw, MI | +41 bps | $360 million |
| 11 | Filer Credit Union | Manistee, MI | +41 bps | $262 million |
| 12 | Embers Credit Union | Marquette, MI | +40 bps | $622 million |
| 13 | Michigan State University Federal Credit Union | East Lansing, MI | +38 bps | $8.9 billion |
| 14 | Monroe Community Credit Union | Monroe, MI | +38 bps | $406 million |
| 15 | Arbor Financial Credit Union | Kalamazoo, MI | +38 bps | $899 million |
| 16 | St. Francis X Federal Credit Union | Petoskey, MI | +38 bps | $269 million |
| 17 | Adventure Credit Union | Grand Rapids, MI | +37 bps | $646 million |
| 18 | Team One Credit Union | Saginaw, MI | +35 bps | $766 million |
| 19 | Dort Financial Credit Union | Grand Blanc, MI | +34 bps | $2.4 billion |
| 20 | Wildfire Credit Union | Saginaw, MI | +33 bps | $1.2 billion |
| 21 | Best Financial Credit Union | Muskegon, MI | +33 bps | $154 million |
| 22 | Christian Financial Credit Union | Sterling Height, MI | +32 bps | $1.1 billion |
| 23 | Straits Area Federal Credit Union | Cheboygan, MI | +32 bps | $132 million |
| 24 | Pfcu Credit Union | Portland, MI | +32 bps | $873 million |
| 25 | Great Lakes First Federal Credit Union | Escanaba, MI | +31 bps | $105 million |
| 26 | Marshall Community Credit Union | Marshall, MI | +29 bps | $372 million |
| 27 | Advantage One Credit Union | Brownstown, MI | +29 bps | $268 million |
| 28 | Northland Area Federal Credit Union | Alpena, MI | +29 bps | $714 million |
| 29 | Downriver Community Federal Credit Union | Ecorse, MI | +29 bps | $193 million |
| 30 | Community First Federal Credit Union | Lakeview, MI | +27 bps | $149 million |
| 31 | Lafcu Credit Union | Lansing, MI | +27 bps | $1.1 billion |
| 32 | Integra First Federal Credit Union | Powers, MI | +27 bps | $135 million |
| 33 | Safe Harbor Credit Union | Ludington, MI | +27 bps | $184 million |
| 34 | Credit Union One | Ferndale, MI | +26 bps | $1.8 billion |
| 35 | Dfcu Financial Credit Union | Dearborn, MI | +26 bps | $8.0 billion |
| 36 | Vibe Credit Union | Novi, MI | +26 bps | $1.6 billion |
| 37 | The Local Credit Union | Sterling Height, MI | +25 bps | $107 million |
| 38 | Lake Trust Credit Union | Brighton, MI | +25 bps | $2.9 billion |
| 39 | American 1 Credit Union | Jackson, MI | +24 bps | $661 million |
| 40 | Alliance Catholic Credit Union | Farmington Hill, MI | +24 bps | $719 million |
| 41 | Service 1 Federal Credit Union | Muskegon, MI | +24 bps | $199 million |
| 42 | Michigan One Community Credit Union | Ionia, MI | +24 bps | $240 million |
| 43 | Frankenmuth Credit Union | Frankenmuth, MI | +24 bps | $1.6 billion |
| 44 | River Valley Credit Union | Ada, MI | +24 bps | $124 million |
| 45 | Michigan Schools and Government Credit Union | Clinton Townshi, MI | +23 bps | $4.4 billion |
| 46 | Parda Federal Credit Union | Auburn Hills, MI | +23 bps | $217 million |
| 47 | Community Choice Credit Union | Farmington Hill, MI | +23 bps | $2.1 billion |
| 48 | Harborlight Credit Union | Whitehall, MI | +22 bps | $170 million |
| 49 | Tba Credit Union | Traverse City, MI | +21 bps | $390 million |
| 50 | Case Credit Union | Lansing, MI | +21 bps | $400 million |
| 51 | University of Michigan Credit Union | Ann Arbor, MI | +20 bps | $1.5 billion |
| 52 | Michigan Educational Credit Union | Plymouth, MI | +20 bps | $1.1 billion |
| 53 | Orsa Credit Union | Plymouth, MI | +19 bps | $1.5 billion |
| 54 | Chief Financial Federal Credit Union | Rochester Hills, MI | +19 bps | $250 million |
| 55 | Cornerstone Community Financial Credit Union | Auburn Hills, MI | +19 bps | $470 million |
| 56 | Tlc Community Credit Union | Adrian, MI | +19 bps | $950 million |
| 57 | Wayne-Westland Federal Credit Union | Westland, MI | +17 bps | $161 million |
| 58 | Members First Credit Union | Midland, MI | +17 bps | $905 million |
| 59 | Isabella Community Credit Union | Mt Pleasant, MI | +17 bps | $222 million |
| 60 | Polish-American Federal Credit Union | Troy, MI | +16 bps | $195 million |
| 61 | Preferred Credit Union | Grand Rapids, MI | +16 bps | $318 million |
| 62 | Michigan First Credit Union | Lathrup Village, MI | +16 bps | $1.5 billion |
| 63 | Gerber Federal Credit Union | Fremont, MI | +16 bps | $260 million |
| 64 | Health Advantage Federal Credit Union | Saginaw, MI | +16 bps | $179 million |
| 65 | Our Credit Union | Royal Oak, MI | +15 bps | $375 million |
| 66 | 4front Credit Union | Traverse City, MI | +15 bps | $1.0 billion |
| 67 | Kellogg Community Credit Union | Battle Creek, MI | +14 bps | $1.0 billion |
| 68 | Genisys Credit Union | Auburn Hills, MI | +13 bps | $6.6 billion |
| 69 | Omni Community Credit Union | Battle Creek, MI | +13 bps | $662 million |
| 70 | Soo Co-Op Credit Union | Sault Sainte Ma, MI | +13 bps | $324 million |
| 71 | Advia Credit Union | Kalamazoo, MI | +13 bps | $4.1 billion |
| 72 | Financial Plus Credit Union | Flint, MI | +12 bps | $1.7 billion |
| 73 | Loc Credit Union | Farmington, MI | +11 bps | $485 million |
| 74 | Michigan United Credit Union | Auburn Hills, MI | +11 bps | $349 million |
| 75 | United Federal Credit Union | St Joseph, MI | +10 bps | $4.4 billion |
| 76 | Extra Credit Union | Warren, MI | +10 bps | $345 million |
| 77 | People Driven Credit Union | Southfield, MI | +10 bps | $520 million |
| 78 | Wolverine State Credit Union | Alpena, MI | +9 bps | $173 million |
| 79 | Security Credit Union | Grand Blanc, MI | +8 bps | $653 million |
| 80 | Sovita Credit Union | Flint, MI | +8 bps | $592 million |
| 81 | Public Service Credit Union | Romulus, MI | +6 bps | $468 million |
| 82 | Jolt Credit Union | Saginaw, MI | +6 bps | $484 million |
| 83 | Ukrainian Selfreliance Michigan Federal Credit Union | Warren, MI | +5 bps | $140 million |
| 84 | Dow Credit Union | Midland, MI | +5 bps | $2.6 billion |
| 85 | North Central Area Credit Union | Houghton Lake, MI | +4 bps | $272 million |
| 86 | Honor Credit Union | Berrien Springs, MI | +4 bps | $1.9 billion |
| 87 | Awakon Federal Credit Union | Onaway, MI | +3 bps | $203 million |
| 88 | Aac Credit Union | Grand Rapids, MI | +3 bps | $212 million |
| 89 | Marquette Community Federal Credit Union | Marquette, MI | +2 bps | $117 million |
| 90 | Journey Federal Credit Union | Saint Johns, MI | +1 bps | $187 million |
| 91 | Freestar Financial Credit Union | Mount Clemens, MI | 0 bps | $350 million |
| 92 | Consumers Credit Union | Oshtemo, MI | 0 bps | $2.9 billion |
| 93 | Alpena-Alcona Area Credit Union | Alpena, MI | -2 bps | $976 million |
| 94 | Total Community Credit Union | Taylor, MI | -3 bps | $111 million |
| 95 | Lenco Credit Union | Adrian, MI | -4 bps | $145 million |
| 96 | Forest Area Federal Credit Union | Fife Lake, MI | -4 bps | $318 million |
| 97 | Meijer Credit Union | Grand Rapids, MI | -9 bps | $128 million |
| 98 | Diversified Members Credit Union | Detroit, MI | -9 bps | $589 million |
| 99 | Consumers Professional Credit Union | Lansing, MI | -10 bps | $150 million |
| 100 | H.P.C. Credit Union | Alpena, MI | -10 bps | $172 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings