North Central Area
North Central Area is a credit union based in Houghton Lake, Michigan, established in 1956, with $269 million in total assets serving 20,236 members. By Trust Grade it ranks 73rd of 170 credit unions we track in Michigan. Its net worth ratio of 11.3% is stronger than 50% of similarly sized credit unions, versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.38% return on assets. No consumer complaints against North Central Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How North Central Area compares to Michigan peers
How we graded North Central Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.3% capital ratio)
- Strongly profitable (ROA 1.38%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for North Central Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at North Central Area insured?
Yes. North Central Area is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
North Central Area: frequently asked questions
Is North Central Area a good credit union?
North Central Area earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (11.3% capital ratio); Strongly profitable (ROA 1.38%).
Is North Central Area NCUA-insured?
Yes. North Central Area is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is North Central Area?
North Central Area holds $269 million in total assets, ranking 73rd of 170 credit unions we track in Michigan. It serves 20,236 members.
Does North Central Area have CFPB complaints?
No CFPB complaints against North Central Area appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
