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 2 points (71 → 73), mostly because the earnings component improved by 4 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. Dow Credit Union is a federally insured credit union (NCUA charter #60137). 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 8.1% of shares and deposits ($190.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Dow Credit Union lists 2 offices in 2 cities. Most locations:

• Midland, MI (1)
• Saginaw, MI (1)

All branch addresses and map

In 2025, Dow Credit Union reported 497 home-loan applications under HMDA (LEI 549300EWYXV06QXJH078): 328 originated ($60,130,000 total), 42 denied, and 117 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.1%, 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

Dow Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

60137

RSSD ID

496096

Primary regulator

State + NCUA

Established

1937

Headquarters

PO Box 1649, Midland, MI 48641

Employees

198