Credit unions · Michigan · Q2 2026

Construction FCU

Credit union in Bingham Farms, MI · NCUA charter #21798 · Federal charter

Legal name: Construction

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets	$26.4M
Total loans & leases	$17.5M
Total shares & deposits	$22.7M
Members	1,173
Net worth	$3.6M
Net worth / assets	13.57%
Loans / assets	66.56%
Return on assets (annualized)	0.50%
Loan growth (YoY)	−5.99%
Member growth (YoY)	−0.59%
Delinquency, all loans (60+ days)	5.71%

Charter	Federal charter
Asset band	< $50M
NCUA peer group	$10M–$50M
Sponsor type	Other / mixed sponsor

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, online loan payments, bill payment. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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