Institution profile

ROUTE 31

Credit union · Active · Main office: Muskegon, MI

Profile data observed August 6, 2026

Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

NCUA identity

NCUA charter number: 5982
Credit union type: Federal credit union
Federal insurance: Federally insured through the NCUA / National Credit Union Share Insurance Fund
Low-income designation: Yes

NCUA-reported main office

Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.

Address line 1: 715 Terrace St
Address line 2: Ste 101
City: Muskegon
State: MI
ZIP: 49440
County: Muskegon
Country: United States
Phone: 2317264871
Hours: M, Tu, Th 9:30-5:00 W 9:30-5:00 F 9:30-6:00

NCUA quarterly financial summary

Data period: March 31, 2026

Members: 9,472
Total assets: $101,539,447
Total loans — all reported loan categories: $61,284,574
Shares and deposits: $86,527,634
Return on average assets: 1.05%
Net worth ratio: 13.51%
Loan-to-share ratio: 70.83%

NCUA total-loan balances are institution-wide and are not presented as mortgage volume.

Four-quarter growth metrics

Shares/deposits four-quarter growth: 3.08%
Loans four-quarter growth: -4.23%
Assets four-quarter growth: 3.17%
Members four-quarter growth: -3.78%
Net-worth four-quarter growth: 6.55%

Location characteristics

Source-reported location characteristics. These fields are not recommendations or quality indicators.

Member services: Yes
ATM: Yes
Drive-thru: Yes
Shared service-center network: No

NCUA source dates

NCUA call-report date: March 31, 2026
NCUA locations data date: March 31, 2026
NCUA locations observed: August 7, 2026

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: Federally insured federal credit union