Muskegon, Michigan · Peer group 3
Michigan Coastal Credit Union
Michigan Coastal Credit Union holds $26.1M in assets across 2,429 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1958. Charter number 61631, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $26.1M |
|---|---|
| Total loans | $22.5M |
| Total shares (deposits) | $23.8M |
| Net worth | $2.2M |
| Members | 2,429 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.0% | |
|---|---|---|
| Loans | -6.3% | around the 31st percentile of its peer group |
| Deposits | -5.1% | around the 13th percentile of its peer group |
| Members | -4.4% | around the 19th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 94.7% | higher than 97% of its peer group |
|---|---|---|
| Net worth ratio | 8.3% | lower than 93% of its peer group |
| Return on assets | 0.67% | around the 51st percentile of its peer group |
| Delinquency ratio | 0.54% | around the 48th percentile of its peer group |
| Cash / assets | 10.2% | around the 44th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Michigan Coastal Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Dowagiac Area Credit Union
Dowagiac, MI
$26.0M · 1,829 members
- Northwest Consumers Credit Union
TRAVERSE CITY, MI
$25.9M · 2,297 members
- Farm Bureau Family Credit Union
Lansing, MI
$26.5M · 2,424 members
- Montcalm Public Employees Credit Union
EDMORE, MI
$27.1M · 1,769 members
- Tandem Credit Union
Warren, MI
$22.3M · 2,210 members
- United Churches Credit Union
Taylor, MI
$21.9M · 1,148 members
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