Headquartered in Bay City, Michigan, Sunrise Family Credit Union is a federally insured state-chartered credit union with $133.5M in total assets and $121.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1956.
Based on its Q2 2026 filing, Sunrise Family Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 115th. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 3% uninsured), and its lowest is earnings (31/100; 0.26%).
TellerScore · Q2 2026
Scorecard
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 7 points (61 → 68), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 66 |
| Q4 2024 | 65 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 69 |
| Q2 2026 | 68 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.18% |
| Q3 2024 | 9.41% |
| Q4 2024 | 9.11% |
| Q1 2025 | 8.81% |
| Q2 2025 | 8.79% |
| Q3 2025 | 9.26% |
| Q4 2025 | 9.45% |
| Q1 2026 | 9.21% |
| Q2 2026 | 9.21% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.28% |
| Q1 2025 | -0.03% |
| Q2 2025 | -0.18% |
| Q3 2025 | -0.05% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $133.5M | 9.21% | 0.07% | 0.26% | 43.7% |
| Q1 2026 | 69 | $132.9M | 9.21% | 0.10% | 0.37% | 42.2% |
| Q4 2025 | 66 | $128.2M | 9.45% | 0.15% | 0.03% | 43.0% |
| Q3 2025 | 65 | $130.1M | 9.26% | 0.21% | -0.05% | 41.2% |
| Q2 2025 | 61 | $136.3M | 8.79% | 0.35% | -0.18% | 36.8% |
| Q1 2025 | 62 | $137.6M | 8.81% | 0.29% | -0.03% | 36.1% |
| Q4 2024 | 65 | $133.8M | 9.11% | 0.35% | 0.28% | 38.0% |
| Q3 2024 | 66 | $133.7M | 9.41% | 0.43% | 0.30% | 38.8% |
| Q2 2024 | 67 | $135.7M | 9.18% | 0.22% | 0.33% | 38.2% |
1,341 peers · $100 million – $1 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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Straits Area Federal Credit UnionCredit union Cheboygan, MI | 59 out of 100, Moderate | $132.4M | 11.7% | 2.77% | vs |
| Integra First Federal Credit UnionCredit union Powers, MI | 56 out of 100, Moderate | $135.4M | 9.0% | 0.99% | vs |
| Breakwater Federal Credit UnionCredit union Houghton, MI | 92 out of 100, Very strong | $138.2M | 13.7% | 0.32% | vs |
| Walled Lake Schools Federal Credit UnionCredit union Wolverine Lake, MI | 81 out of 100, Strong | $138.4M | 14.6% | 1.50% | vs |
| Meijer Credit UnionCredit union Grand Rapids, MI | 71 out of 100, Strong | $128.1M | 9.4% | 0.29% | vs |
| Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI | 83 out of 100, Strong | $140.0M | 13.5% | 0.39% | vs |
Deposit insurance
Is my money safe at Sunrise Family Credit Union?
Yes. Sunrise Family Credit Union is a federally insured credit union (NCUA charter #61995). 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 3.5% of shares and deposits ($4.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Sunrise Family Credit Union lists 3 offices in 3 cities. Most locations:
- Bay City, MI (1)
- Essexville, MI (1)
- Standish, MI (1)
HMDA 2025
Mortgage lending
In 2025, Sunrise Family Credit Union reported 64 home-loan applications under HMDA (LEI 549300P1I25L8ILSI852): 61 originated ($7,955,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, 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.
Identity & history
Profile
- Legal name
- Sunrise Family Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61995
- RSSD ID
- 738198
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- 404 S Euclid Ave, Bay City, MI 48706
- Employees
- 44
Quick answers
Sunrise Family Credit Union: common questions
Is Sunrise Family Credit Union NCUA insured?
Yes. Sunrise Family Credit Union is a federally insured credit union (NCUA charter #61995). 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 Sunrise Family Credit Union's TellerScore?
68 out of 100 (Moderate), 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 Sunrise Family Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bay City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Health Advantage Federal Credit UnionCredit union Saginaw, MI | 82 out of 100, Strong | $179.3M | 13.4% | 0.33% | vs |
| Consumers Professional Credit UnionCredit union Lansing, MI | 81 out of 100, Strong | $149.7M | 16.8% | 1.28% | vs |
| Genisys Credit UnionCredit union Auburn Hills, MI | 81 out of 100, Strong | $6.6B | 15.5% | 1.09% | vs |
| Thumb Bank and TrustBank Pigeon, MI | 77 out of 100, Strong | $673.3M | 9.4% | 0.03% | vs |
| 1st State BankBank Saginaw, MI | 76 out of 100, Strong | $490.1M | 12.3% | 0.35% | vs |
| Financialedge Credit UnionCredit union Bay City, MI | 74 out of 100, Strong | $147.2M | 12.3% | 0.66% | vs |