TellerScore

Headquartered in Clinton Townshi, Michigan, Michigan Schools and Government Credit Union is a federally insured state-chartered credit union with $4.4B in total assets and $3.7B in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1954.

Michigan Schools and Government Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 61st. Problem-loan coverage contributes the most (91/100, 4.4%); funding & liquidity contributes the least (57/100, 103% loans-to-deposits, 12% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.63%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity57/100
Loans ÷ shares: 103.0% · 12.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.44%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the earnings component improved by 21 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202472
Q4 202469
Q1 202567
Q2 202571
Q3 202573
Q4 202572
Q1 202672
Q2 202676
Net worth ratio
7.00%9.82%12.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.94%
Q3 202412.01%
Q4 202411.92%
Q1 202511.81%
Q2 202512.13%
Q3 202512.33%
Q4 202512.25%
Q1 202612.20%
Q2 202612.63%
Delinquent loans (60+ days)
0.38%0.51%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.52%
Q4 20240.62%
Q1 20250.42%
Q2 20250.58%
Q3 20250.55%
Q4 20250.64%
Q1 20260.38%
Q2 20260.61%
Return on assets
0.40%0.94%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.10%
Q3 20241.05%
Q4 20240.96%
Q1 20250.40%
Q2 20250.96%
Q3 20251.16%
Q4 20251.10%
Q1 20260.74%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$4.4B12.63%0.61%1.47%103.0%
Q1 202672$4.4B12.20%0.38%0.74%101.0%
Q4 202572$4.3B12.25%0.64%1.10%103.9%
Q3 202573$4.2B12.33%0.55%1.16%105.2%
Q2 202571$4.1B12.13%0.58%0.96%102.5%
Q1 202567$4.0B11.81%0.42%0.40%102.1%
Q4 202469$3.9B11.92%0.62%0.96%104.4%
Q3 202472$3.8B12.01%0.52%1.05%104.3%
Q2 202472$3.7B11.94%0.54%1.10%103.3%

454 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio12.63%
75th
Problem loans0.61%
58th
Net charge-offs0.27%
79th
Return on assets1.47%
91st
Loans to deposits103.0%
8th
Uninsured deposits12.4%
24th
Loan-loss reserves0.00%
50th
Texas ratio4.4%
53rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
United Federal Credit UnionCredit union St Joseph, MI75 out of 100, Strong$4.4B11.9%0.71%vs
Advia Credit UnionCredit union Kalamazoo, MI64 out of 100, Moderate$4.1B9.7%0.70%vs
Consumers Credit UnionCredit union Oshtemo, MI65 out of 100, Moderate$2.9B9.4%0.40%vs
Lake Trust Credit UnionCredit union Brighton, MI62 out of 100, Moderate$2.9B10.8%1.06%vs
Dow Credit UnionCredit union Midland, MI73 out of 100, Strong$2.6B10.1%0.29%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs

Deposit insurance

Is my money safe at Michigan Schools and Government Credit Union?

Yes. Michigan Schools and Government Credit Union is a federally insured credit union (NCUA charter #62049). 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 12.4% of shares and deposits ($458.3M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Michigan Schools and Government Credit Union lists 11 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Michigan Schools and Government Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62049
RSSD ID
763695
Primary regulator
State + NCUA
Established
1954
Headquarters
40400 Garfield Road, Clinton Townshi, MI 48038
Employees
487

Quick answers

Michigan Schools and Government Credit Union: common questions

Is Michigan Schools and Government Credit Union NCUA insured?

Yes. Michigan Schools and Government Credit Union is a federally insured credit union (NCUA charter #62049). 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.

What is Michigan Schools and Government Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Michigan Schools and Government Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Clinton Townshi

InstitutionScoreAssetsCapitalProblem loansCompare
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs