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 fell 6 points (78 → 72), mostly because the earnings component weakened by 26 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. Lafcu Credit Union is a federally insured credit union (NCUA charter #68632). 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 10.3% of shares and deposits ($92.1M) 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 20.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Lafcu Credit Union lists 10 offices in 8 cities. Most locations:

• Lansing, MI (3)
• Charlotte, MI (1)
• Corunna, MI (1)
• Dewitt, MI (1)
• Eaton Rapids, MI (1)
• Mason, MI (1)
• Owosso, MI (1)
• Saint Johns, MI (1)

All branch addresses and map

In 2025, Lafcu Credit Union reported 414 home-loan applications under HMDA (LEI 5493003KK3OFPYXHCI44): 298 originated ($50,460,000 total), 41 denied, and 63 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, 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

Lafcu Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68632

RSSD ID

154378

Primary regulator

State + NCUA

Established

1936

Headquarters

P.O. Box 26188, Lansing, MI 48909

Employees

191