West Bloomfield, Michigan · Peer group 4
Southeast Michigan State Employees Credit Union
Southeast Michigan State Employees Credit Union holds $51.5M in assets across 3,124 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1952. Charter number 7628, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $51.5M |
|---|---|
| Total loans | $8.2M |
| Total shares (deposits) | $46.0M |
| Net worth | $6.1M |
| Members | 3,124 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.8% | |
|---|---|---|
| Loans | 1.8% | around the 62nd percentile of its peer group |
| Deposits | -0.0% | around the 36th percentile of its peer group |
| Members | -8.5% | lower than 94% 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 | 17.9% | lower than 98% of its peer group |
|---|---|---|
| Net worth ratio | 11.8% | around the 39th percentile of its peer group |
| Return on assets | 1.18% | around the 74th percentile of its peer group |
| Delinquency ratio | 1.83% | higher than 92% of its peer group |
| Cash / assets | 12.1% | around the 62nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Southeast Michigan State Employees 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.
- Tri-Cities Credit Union
Grand Haven, MI
$51.3M · 3,597 members
- Country Heritage Credit Union
BUCHANAN, MI
$52.0M · 1,209 members
- Gr Consumers Credit Union
Wyoming, MI
$52.0M · 2,827 members
- Aeroquip Credit Union
JACKSON, MI
$52.3M · 3,954 members
- Lakeshore Credit Union
Muskegon, MI
$45.9M · 2,628 members
- Auto-Owners Associates Credit Union
LANSING, MI
$43.4M · 2,547 members
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