PFCU Credit Union Profile

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PFCU

Charter #68690 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (844) 517-3611

Fax:

Founding Date: N/A

Website: http://www.pfcu4me.com

Personnel & Operations

President: Ward, Michael

Manager: Makley, Michele

FT Employees: 184

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 13

Hours: M-T 9-5 F 9-5:30 S 9-12

Credit Union Profile Summary

PFCU is a FISCU Credit Union. With a total of 56,388 members ^[1], this institution manages approximately $822,131,531 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.81% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.14% ^[1].

Financial Snapshot

Total Assets ^[1]

$822,131,531

Total economic resources.

Total Loans ^[1]

$526,809,774

Total value of outstanding loans.

Total Deposits ^[1]

$732,945,929

Total funds deposited by members.

Members ^[1]

56,388

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.81%

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]

0.54%

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

Loan-to-Share Ratio ^[1]

71.88%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 1.66%

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

Loan Growth (4Q) ^[1]

↑ 4.14%

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

Member Growth (4Q) ^[1]

↑ 0.91%

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

Headquarters Location & Map

Headquarters Address

9077 Charlotte Hwy

Portland, MI, 48875

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 13 branches reported by PFCU (Charter #68690).

Main Office

Portland Office Main Office

Type: Corporate Office

Type: Branch Office

3378 Lennon Rd

Flint, MI 48507

Phone: (810) 767-8370

Services: Member Services, ATM, Drive-Thru

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