Sep, 30, 2025 — CHIEF FINANCIAL FEDERAL CREDIT UNION is a federal credit union headquartered in ROCHESTER HILLS, MI with 4 branch locations and about $244.86 million in total assets. Opened 85 years ago in 1941, CHIEF FINANCIAL FEDERAL CREDIT UNION has about 22,049 members and employs 48 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CHIEF FINANCIAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 200 Diversion St Ste 200 ROCHESTER HILLS, MI 48307-2207 |
| Phone: | (800) 844-5440 |
| Fax: | |
| Website: | https://www.chiefonline.com |
| Branches: | 4 branch locations |
| Members: | 22,049 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4271 |
|---|---|
| Membership Type: | Multiple common bond - Primarily transportation equipment |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $244,859,101 |
| CEO/Manager: | Tom Dluzen |
| Chairperson: | Melody Sugden |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 15,442,214 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 45,796,020 |
| Unsecured Loans | 6,304,056 |
| Other Loans | 119,269,111 |
| TOTAL LOANS | 171,369,187 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,799,791 |
| Land And Building | 12,959,753 |
| Other Fixed Assets | 275,503 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,732,454 |
| All Other Assets | 0 |
| TOTAL ASSETS | 244,859,101 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 151,002 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,080,731 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,194,665 |
| Regular shares | 47,254,812 |
| All Other Shares & Deposits | 149,718,854 |
| TOTAL SHARES & DEPOSITS | 219,168,331 |
| TOTAL LIABILITIES | 221,400,064 |
| Regular Reserve | 0 |
| Other Reserves | 4,765,019 |
| Undivided Earnings | 18,694,018 |
| TOTAL EQUITY | 23,459,037 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 244,859,101 |
| INCOME & EXPENSE | |
| Loan Income | 7,867,071 |
| Investment Income | 1,818,803 |
| Other Income | 2,516,965 |
| Total Employee Compensation & Benefits | 3,640,337 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,621,813 |
| Non-operating Income & (Expense) | -1,147 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 645,000 |
| Cost of Funds | 3,927,418 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 403,031 |
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