DOW Credit Union Profile

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DOW

Charter #60137 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 835-7794

Fax: (989) 607-6790

Founding Date: N/A

Website: http://www.dowcreditunion.org

Personnel & Operations

President: McKenney, Lisa

Manager: Goad, Michael

FT Employees: 169

PT Employees: 17

Designations & Ratios

MDI Status: No

RBC Ratio: 19.26%

Membership Type: 99

Branches: 2

Hours: M-F 7:30 a.m. - 5:30 p.m. Sat 9:00 a.m. -

Credit Union Profile Summary

DOW is a FISCU Credit Union. With a total of 83,313 members [1], this institution manages approximately $2,479,451,304 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.95% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.54% [1].

Financial Snapshot

Total Assets [1]
$2,479,451,304

Total economic resources.

Total Loans [1]
$1,248,557,491

Total value of outstanding loans.

Total Deposits [1]
$2,223,880,724

Total funds deposited by members.

Members [1]
83,313

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.95%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.67%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
56.14%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
6.28%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
0.54%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.58%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

600 E Lyon Rd

Midland, MI, 48640-5396

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by DOW (Charter #60137).

Main Office

Dow Credit Union Main Office

Type: Corporate Office

600 E Lyon Rd

Midland, MI 48640-5396

Phone: (989) 835-7794

Services: Member Services, ATM, Drive-Thru

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