FINANCIALEDGE Credit Union Profile

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FINANCIALEDGE

Charter #61619 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 892-6088

Fax: (989) 460-3194

Founding Date: N/A

Website: http://www.finedgecu.org

Personnel & Operations

President: Felker, Norma

Manager: Coberley, Jeremy

FT Employees: 30

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: Lobby - M-F 9:00 am - 5:00 pm Drive Thr

Credit Union Profile Summary

FINANCIALEDGE is a FISCU Credit Union. With a total of 8,777 members [1], this institution manages approximately $134,945,287 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.68% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.38% [1].

Financial Snapshot

Total Assets [1]
$134,945,287

Total economic resources.

Total Loans [1]
$80,097,419

Total value of outstanding loans.

Total Deposits [1]
$116,657,281

Total funds deposited by members.

Members [1]
8,777

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.68%

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]
1.22%

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

Loan-to-Share Ratio [1]
68.66%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.82%

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

Loan Growth (4Q) [1]
↑ 4.38%

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

Member Growth (4Q) [1]
↓ -0.71%

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

Headquarters Location & Map

Headquarters Address

1199 S Euclid Ave

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 2 branches reported by FINANCIALEDGE (Charter #61619).

Main Office

Euclid Office Main Office

Type: Corporate Office

1199 S Euclid Ave

Bay City, MI 48706

Phone: (989) 892-6088

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Bay City

Sherman Office

Type: Branch Office

1304 N Sherman St

Bay City, MI 48708

Phone: (989) 892-6088

Services: Member Services, Drive-Thru

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