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The Local
Sterling Height, MI · NCUA Charter #63342 · State charter, federally insured · Chartered 1949
Total assets
$106.62M
Shares & deposits
$89.95M
Total loans
$41.98M
Members
9,432
Net worth
$17.14M
Branches
1
Rank: #1,776 of 4,299 U.S. credit unions by assets · #110 of 169 in Michigan. Assets changed 1.9% and membership -3.7% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 16.07% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.12% |
| Loans to shares & deposits | 46.7% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $108.99M | $96.25M | $0 | $15.14M |
| Jun 2023 | $108.04M | $95.27M | $0 | $15.54M |
| Jun 2024 | $106.52M | $92.06M | $0 | $15.64M |
| Jun 2025 | $104.68M | $89.38M | $0 | $15.96M |
| Jun 2026 | $106.62M | $89.95M | $0 | $17.14M |
Branch footprint
| State | Branches |
|---|---|
| Michigan | 1 |
Similar-sized credit unions
Winthrop Area ($106.70M) · Onenebraska ($106.52M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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