Muskegon, Michigan · Peer group 5
Route 31 Credit Union
Route 31 Credit Union holds $101.5M in assets across 9,472 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1949. Charter number 5982, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $101.5M |
|---|---|
| Total loans | $61.3M |
| Total shares (deposits) | $86.5M |
| Net worth | $13.7M |
| Members | 9,472 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.2% | |
|---|---|---|
| Loans | -4.2% | around the 14th percentile of its peer group |
| Deposits | 3.1% | around the 50th percentile of its peer group |
| Members | -3.8% | around the 17th 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 | 70.8% | around the 48th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.5% | around the 75th percentile of its peer group |
| Return on assets | 1.03% | around the 71st percentile of its peer group |
| Delinquency ratio | 0.38% | around the 30th percentile of its peer group |
| Cash / assets | 10.6% | around the 53rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Route 31 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.
- Compass Credit Union
Sparta, MI
$101.7M · 7,528 members
- Family First Credit Union
SAGINAW, MI
$100.5M · 5,405 members
- Great Lakes First Credit Union
ESCANABA, MI
$105.7M · 7,434 members
- The Local Credit Union
Sterling Height, MI
$109.2M · 9,526 members
- Total Community Credit Union
TAYLOR, MI
$109.8M · 6,368 members
- Traverse Catholic Credit Union
TRAVERSE CITY, MI
$92.6M · 6,697 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Route 31 Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.