COPOCO COMMUNITY Credit Union Profile

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COPOCO COMMUNITY

Charter #60470 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 684-1873

Fax: (989) 684-3631

Founding Date: N/A

Website: http://www.copoco.org

Personnel & Operations

President: Engers, Meri

Manager: Brandt, David

FT Employees: 20

PT Employees: 12

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Monday-Friday 8:30am - 5:30pm Saturday (Te

Credit Union Profile Summary

COPOCO COMMUNITY is a FISCU Credit Union. With a total of 7,473 members [1], this institution manages approximately $104,267,903 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 8.41% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -20.37% [1].

Financial Snapshot

Total Assets [1]
$104,267,903

Total economic resources.

Total Loans [1]
$40,133,313

Total value of outstanding loans.

Total Deposits [1]
$96,435,618

Total funds deposited by members.

Members [1]
7,473

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.41%

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]
0.08%

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

Loan-to-Share Ratio [1]
41.62%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.94%

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

Loan Growth (4Q) [1]
↓ -20.37%

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

Member Growth (4Q) [1]
↓ -16.13%

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

Headquarters Location & Map

Headquarters Address

4265 Wilder Rd

Bay City, MI, 48706
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by COPOCO COMMUNITY (Charter #60470).

Main Office

COPOCO Community Credit Union Main Office

Type: Corporate Office

4265 Wilder Rd

Bay City, MI 48706

Phone: (989) 684-1873

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Bay City

Straits Branch

Type: Branch Office

1479 Straits Dr

Bay City, MI 48706

Phone: (989) 684-1873

Services: Member Services, ATM, Drive-Thru

Open in Directions

Saginaw

Cabaret Branch

Type: Branch Office

3262 Cabaret Trl S

Saginaw, MI 48603

Phone: (989) 799-8636

Services: Member Services, ATM, Drive-Thru

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