WMCU Credit Union Profile

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WMCU

Charter #62347 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (616) 451-4567

Fax: (616) 635-2318

Founding Date: N/A

Website: https://www.WestMichiganCU.com

Personnel & Operations

President: Nevins, Brent

Manager: Heintskill, Joseph

FT Employees: 98

PT Employees: 21

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 12

Hours: M-F 8:00 am to 5:00 pm Sat Contact Center (

Credit Union Profile Summary

WMCU is a FISCU Credit Union. With a total of 31,117 members ^[1], this institution manages approximately $448,081,465 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 16.51% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 78.07% ^[1].

Financial Snapshot

Total Assets ^[1]

$448,081,465

Total economic resources.

Total Loans ^[1]

$221,785,515

Total value of outstanding loans.

Total Deposits ^[1]

$369,714,381

Total funds deposited by members.

Members ^[1]

31,117

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

16.51%

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]

1.28%

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

Loan-to-Share Ratio ^[1]

59.99%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 75.24%

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

Loan Growth (4Q) ^[1]

↑ 78.07%

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

Member Growth (4Q) ^[1]

↑ 71.12%

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

Headquarters Location & Map

Headquarters Address

1720 Michigan St NE

Grand Rapids, MI, 49503

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 8 branches reported by WMCU (Charter #62347).

Main Office

Corporate Administrative Offices Main Office

Type: Corporate Office

1720 Michigan St NE

Grand Rapids, MI 49503

Phone: (616) 451-4567

Services: None specified

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Additional Branches

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Manistee

Manistee Office

Type: Branch Office

316 Care Center Dr

Manistee, MI 49660

Phone: (231) 723-2601

Services: Member Services, ATM, Drive-Thru

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Reed City

Type: Branch Office

4795 220th Avenue

Reed City, MI 49677-1395

Phone: (231) 832-5359

Services: Member Services, ATM, Drive-Thru

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