SOUTHEAST MICHIGAN STATE EMPLOYEES Credit Union Profile

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SOUTHEAST MICHIGAN STATE EMPLOYEES

Charter #7628 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (248) 557-2266

Fax: (248) 557-0453

Founding Date: N/A

Website: http://www.smsefcu.com

Personnel & Operations

President: Andrews, Robert

Manager: Goss, Danielle

FT Employees: 12

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 06

Branches: 1

Hours: Monday through Wednesday and Friday, 9:00 a

Credit Union Profile Summary

SOUTHEAST MICHIGAN STATE EMPLOYEES is a FCU Credit Union. With a total of 3,311 members [1], this institution manages approximately $51,050,489 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.2% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -17.74% [1].

Financial Snapshot

Total Assets [1]
$51,050,489

Total economic resources.

Total Loans [1]
$7,927,571

Total value of outstanding loans.

Total Deposits [1]
$45,730,322

Total funds deposited by members.

Members [1]
3,311

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.2%

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]
1.47%

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

Loan-to-Share Ratio [1]
17.34%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.79%

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

Loan Growth (4Q) [1]
↓ -17.74%

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

Member Growth (4Q) [1]
↓ -5.10%

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

Headquarters Location & Map

Headquarters Address

6230 Orchard Lake Rd, 290

West Bloomfield, MI, 48322
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by SOUTHEAST MICHIGAN STATE EMPLOYEES (Charter #7628).

Main Office

Southeast Michigan State Employees Federal Credit Union Main Office

Type: Corporate Office

17135 W 10 Mile Rd

Southfield, MI 48075-2933

Phone: (248) 557-2266

Services: Member Services

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