Sep, 30, 2025 — ARBOR FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in KALAMAZOO, MI with 13 branch locations and about $898.14 million in total assets. Opened 91 years ago in 1935, ARBOR FINANCIAL CREDIT UNION has about 46,909 members and employs 193 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ARBOR FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1551 S 9TH ST KALAMAZOO, MI 49009-9404 |
| Phone: | (269) 375-6702 |
| Fax: | (269) 544-3488 |
| Website: | https://www.arborfcu.org |
| Branches: | 13 branch locations |
| Members: | 46,909 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61708 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $898,138,077 |
| CEO/Manager: | Julie A Blitchok |
| Chairperson: | David Aubry |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 59,812,042 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 1,312,905 |
| Real Estate Loans | 545,213,792 |
| Unsecured Loans | 52,319,458 |
| Other Loans | 81,001,947 |
| TOTAL LOANS | 686,565,593 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -7,172,429 |
| Land And Building | 19,360,954 |
| Other Fixed Assets | 2,889,794 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,728,701 |
| All Other Assets | 0 |
| TOTAL ASSETS | 898,138,077 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 58,086 |
| Notes & Interest Payable | 46,000,000 |
| Accounts Payable & Other Liabilities | 11,097,136 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 175,427,005 |
| Regular shares | 360,547,984 |
| All Other Shares & Deposits | 231,171,594 |
| TOTAL SHARES & DEPOSITS | 767,146,583 |
| TOTAL LIABILITIES | 824,301,805 |
| Regular Reserve | 0 |
| Other Reserves | -15,294,933 |
| Undivided Earnings | 89,131,205 |
| TOTAL EQUITY | 73,836,272 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 898,138,077 |
| INCOME & EXPENSE | |
| Loan Income | 27,155,559 |
| Investment Income | 3,553,752 |
| Other Income | 5,657,464 |
| Total Employee Compensation & Benefits | 12,887,603 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 12,612,451 |
| Non-operating Income & (Expense) | 416,325 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,635,621 |
| Cost of Funds | 10,239,387 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,594,957 |
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