CU Explorer
Credit unions · Michigan · Q2 2026

Michigan Coastal CU

Credit union in Muskegon, MI · NCUA charter #61631 · State charter (federally insured)

Legal name: Michigan Coastal

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

Total assets$25.7M
Total loans & leases$21.0M
Total shares & deposits$23.4M
Members2,426
Net worth$2.2M
Net worth / assets8.66%
Loans / assets81.64%
Return on assets (annualized)0.77%
Loan growth (YoY)−11.34%
Member growth (YoY)−3.58%
Delinquency, all loans (60+ days)4.04%
CharterState charter (federally insured)
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity (inferred from the name)

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): online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. 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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