The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 4 points (51 → 55), mostly because the capital cushion component improved by 8 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Michigan

Yes. Arbor Financial Credit Union is a federally insured credit union (NCUA charter #61708). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.5% of shares and deposits ($58.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Arbor Financial Credit Union lists 5 offices in 3 cities. Most locations:

• Kalamazoo, MI (3)
• Paw Paw, MI (1)
• Portage, MI (1)

All branch addresses and map

In 2025, Arbor Financial Credit Union reported 935 home-loan applications under HMDA (LEI 549300E5018DD89WPX79): 758 originated ($132,310,000 total), 54 denied, and 99 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Arbor Financial Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

61708

RSSD ID

962096

Primary regulator

State + NCUA

Established

1935

Headquarters

1551 S 9th St, Kalamazoo, MI 49009

Employees

195