MICHIGAN SCHOOLS AND GOVERNMENT Credit Union Profile

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MICHIGAN SCHOOLS AND GOVERNMENT

Charter #62049 | NCUA Region 1 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (586) 263-8800

Fax: (586) 263-8285

Founding Date: N/A

Website: http://www.msgcu.org

Personnel & Operations

President: Smith, Douglas

Manager: Brewer, Steve

FT Employees: 460

PT Employees: 17

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 26

Hours: M - W 9:00 am - 5:00 pm Th - Fr 9:00 am -

Credit Union Profile Summary

MICHIGAN SCHOOLS AND GOVERNMENT is a FISCU Credit Union. With a total of 158,593 members ^[1], this institution manages approximately $4,096,786,137 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.13% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 10.56% ^[1].

Financial Snapshot

Total Assets ^[1]

$4,096,786,137

Total economic resources.

Total Loans ^[1]

$3,529,904,536

Total value of outstanding loans.

Total Deposits ^[1]

$3,445,268,430

Total funds deposited by members.

Members ^[1]

158,593

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.13%

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]

0.98%

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

Loan-to-Share Ratio ^[1]

102.46%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 9.29%

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

Loan Growth (4Q) ^[1]

↑ 10.56%

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

Member Growth (4Q) ^[1]

↑ 5.25%

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

Headquarters Location & Map

Headquarters Address

40400 Garfield Rd

Clinton Townshi, MI, 48038-4004

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 18 branches reported by MICHIGAN SCHOOLS AND GOVERNMENT (Charter #62049).

Main Office

Main Main Office

Type: Corporate Office

40400 Garfield Rd

Clinton Township, MI 48038-4004

Phone: (586) 263-8800

Services: Member Services, ATM, Drive-Thru

MICHIGAN SCHOOLS AND GOVERNMENT Credit Union Profile