RANKING ·
Lowest efficiency ratio 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 positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Genisys Credit Union | Auburn Hills, MI | 42.0% | $6.6 billion |
| 2 | Zeal Credit Union | Livonia, MI | 44.6% | $1.1 billion |
| 3 | Michigan Schools and Government Credit Union | Clinton Townshi, MI | 46.2% | $4.4 billion |
| 4 | Dow Credit Union | Midland, MI | 50.4% | $2.6 billion |
| 5 | Dfcu Financial Credit Union | Dearborn, MI | 53.5% | $8.0 billion |
| 6 | Marquette Community Federal Credit Union | Marquette, MI | 55.7% | $117 million |
| 7 | Kellogg Community Credit Union | Battle Creek, MI | 56.1% | $1.0 billion |
| 8 | Wayne-Westland Federal Credit Union | Westland, MI | 57.6% | $161 million |
| 9 | Polish-American Federal Credit Union | Troy, MI | 57.6% | $195 million |
| 10 | Walled Lake Schools Federal Credit Union | Wolverine Lake, MI | 57.8% | $138 million |
| 11 | United Federal Credit Union | St Joseph, MI | 59.4% | $4.4 billion |
| 12 | Forest Area Federal Credit Union | Fife Lake, MI | 59.6% | $318 million |
| 13 | Iron Mountain Kingsford Community Federal Credit Union | Kingsford, MI | 59.7% | $149 million |
| 14 | St. Francis X Federal Credit Union | Petoskey, MI | 61.0% | $269 million |
| 15 | Breakwater Federal Credit Union | Houghton, MI | 61.3% | $138 million |
| 16 | Alpena-Alcona Area Credit Union | Alpena, MI | 61.4% | $976 million |
| 17 | Filer Credit Union | Manistee, MI | 61.9% | $262 million |
| 18 | Marshall Community Credit Union | Marshall, MI | 62.0% | $372 million |
| 19 | Total Community Credit Union | Taylor, MI | 62.3% | $111 million |
| 20 | Omni Community Credit Union | Battle Creek, MI | 62.3% | $662 million |
| 21 | Lake Michigan Credit Union | Grand Rapids, MI | 62.7% | $17.3 billion |
| 22 | Advia Credit Union | Kalamazoo, MI | 63.0% | $4.1 billion |
| 23 | Tlc Community Credit Union | Adrian, MI | 63.0% | $950 million |
| 24 | Sovita Credit Union | Flint, MI | 63.5% | $592 million |
| 25 | Members First Credit Union | Midland, MI | 63.9% | $905 million |
| 26 | Tba Credit Union | Traverse City, MI | 64.6% | $390 million |
| 27 | Ukrainian Selfreliance Michigan Federal Credit Union | Warren, MI | 65.6% | $140 million |
| 28 | Consumers Credit Union | Oshtemo, MI | 66.2% | $2.9 billion |
| 29 | U.P. State Credit Union | Escanaba, MI | 67.0% | $210 million |
| 30 | Financial Plus Credit Union | Flint, MI | 67.7% | $1.7 billion |
| 31 | True Community Credit Union | Jackson, MI | 68.5% | $955 million |
| 32 | Advantage One Credit Union | Brownstown, MI | 68.5% | $268 million |
| 33 | Lenco Credit Union | Adrian, MI | 68.9% | $145 million |
| 34 | Consumers Professional Credit Union | Lansing, MI | 69.2% | $150 million |
| 35 | Monroe Community Credit Union | Monroe, MI | 69.2% | $406 million |
| 36 | Aac Credit Union | Grand Rapids, MI | 69.3% | $212 million |
| 37 | Michigan One Community Credit Union | Ionia, MI | 69.3% | $240 million |
| 38 | Straits Area Federal Credit Union | Cheboygan, MI | 69.3% | $132 million |
| 39 | Community Choice Credit Union | Farmington Hill, MI | 69.6% | $2.1 billion |
| 40 | Soo Co-Op Credit Union | Sault Sainte Ma, MI | 69.9% | $324 million |
| 41 | United Financial Credit Union | Saginaw, MI | 70.0% | $360 million |
| 42 | Pfcu Credit Union | Portland, MI | 70.2% | $873 million |
| 43 | Awakon Federal Credit Union | Onaway, MI | 70.5% | $203 million |
| 44 | American 1 Credit Union | Jackson, MI | 70.7% | $661 million |
| 45 | Lake Trust Credit Union | Brighton, MI | 70.8% | $2.9 billion |
| 46 | Isabella Community Credit Union | Mt Pleasant, MI | 70.9% | $222 million |
| 47 | North Central Area Credit Union | Houghton Lake, MI | 71.0% | $272 million |
| 48 | Health Advantage Federal Credit Union | Saginaw, MI | 71.3% | $179 million |
| 49 | Elga Credit Union | Grand Blanc, MI | 71.8% | $2.5 billion |
| 50 | Peninsula Federal Credit Union | Escanaba, MI | 71.8% | $356 million |
| 51 | Embers Credit Union | Marquette, MI | 72.4% | $622 million |
| 52 | Gerber Federal Credit Union | Fremont, MI | 72.4% | $260 million |
| 53 | Extra Credit Union | Warren, MI | 72.7% | $345 million |
| 54 | Meijer Credit Union | Grand Rapids, MI | 73.7% | $128 million |
| 55 | Service 1 Federal Credit Union | Muskegon, MI | 74.2% | $199 million |
| 56 | Cornerstone Community Financial Credit Union | Auburn Hills, MI | 74.3% | $470 million |
| 57 | Wmcu Credit Union | Grand Rapids, MI | 74.4% | $455 million |
| 58 | Credit Union One | Ferndale, MI | 74.4% | $1.8 billion |
| 59 | Safe Harbor Credit Union | Ludington, MI | 74.5% | $184 million |
| 60 | Harborlight Credit Union | Whitehall, MI | 74.5% | $170 million |
| 61 | Wildfire Credit Union | Saginaw, MI | 74.9% | $1.2 billion |
| 62 | Preferred Credit Union | Grand Rapids, MI | 74.9% | $318 million |
| 63 | The Local Credit Union | Sterling Height, MI | 75.1% | $107 million |
| 64 | Frankenmuth Credit Union | Frankenmuth, MI | 75.1% | $1.6 billion |
| 65 | Michigan State University Federal Credit Union | East Lansing, MI | 75.4% | $8.9 billion |
| 66 | H.P.C. Credit Union | Alpena, MI | 75.8% | $172 million |
| 67 | Trunorth Federal Credit Union | Ishpeming, MI | 76.0% | $203 million |
| 68 | Community First Federal Credit Union | Lakeview, MI | 76.1% | $149 million |
| 69 | Lafcu Credit Union | Lansing, MI | 76.5% | $1.1 billion |
| 70 | Our Credit Union | Royal Oak, MI | 76.7% | $375 million |
| 71 | Christian Financial Credit Union | Sterling Height, MI | 77.0% | $1.1 billion |
| 72 | Dort Financial Credit Union | Grand Blanc, MI | 77.1% | $2.4 billion |
| 73 | Great Lakes First Federal Credit Union | Escanaba, MI | 77.1% | $105 million |
| 74 | Loc Credit Union | Farmington, MI | 77.2% | $485 million |
| 75 | Arbor Financial Credit Union | Kalamazoo, MI | 77.4% | $899 million |
| 76 | Northland Area Federal Credit Union | Alpena, MI | 77.6% | $714 million |
| 77 | People Driven Credit Union | Southfield, MI | 77.6% | $520 million |
| 78 | Honor Credit Union | Berrien Springs, MI | 78.1% | $1.9 billion |
| 79 | Kalsee Credit Union | Kalamazoo, MI | 79.5% | $292 million |
| 80 | Compass Credit Union | Sparta, MI | 79.7% | $101 million |
| 81 | Michigan Educational Credit Union | Plymouth, MI | 79.8% | $1.1 billion |
| 82 | River Valley Credit Union | Ada, MI | 79.8% | $124 million |
| 83 | Downriver Community Federal Credit Union | Ecorse, MI | 80.2% | $193 million |
| 84 | Team One Credit Union | Saginaw, MI | 80.3% | $766 million |
| 85 | 4front Credit Union | Traverse City, MI | 80.7% | $1.0 billion |
| 86 | Adventure Credit Union | Grand Rapids, MI | 80.9% | $646 million |
| 87 | Chief Financial Federal Credit Union | Rochester Hills, MI | 80.9% | $250 million |
| 88 | Circle Federal Credit Union | Niles, MI | 81.6% | $117 million |
| 89 | University of Michigan Credit Union | Ann Arbor, MI | 81.6% | $1.5 billion |
| 90 | Vibe Credit Union | Novi, MI | 81.8% | $1.6 billion |
| 91 | Financialedge Credit Union | Bay City, MI | 82.0% | $147 million |
| 92 | Security Credit Union | Grand Blanc, MI | 82.3% | $653 million |
| 93 | Wolverine State Credit Union | Alpena, MI | 82.4% | $173 million |
| 94 | Journey Federal Credit Union | Saint Johns, MI | 82.6% | $187 million |
| 95 | Michigan United Credit Union | Auburn Hills, MI | 82.6% | $349 million |
| 96 | Best Financial Credit Union | Muskegon, MI | 82.7% | $154 million |
| 97 | Public Service Credit Union | Romulus, MI | 83.0% | $468 million |
| 98 | United Bay Community Credit Union | Bay City, MI | 83.8% | $302 million |
| 99 | Freestar Financial Credit Union | Mount Clemens, MI | 84.2% | $350 million |
| 100 | Michigan First Credit Union | Lathrup Village, MI | 85.0% | $1.5 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings