Sep, 30, 2025 — CHRISTIAN FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in STERLING HEIGHTS, MI with 10 branch locations and about $1.06 billion in total assets. Opened 59 years ago in 1967, CHRISTIAN FINANCIAL CREDIT UNION has about 61,822 members and employs 203 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CHRISTIAN FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 35100 Van Dyke Ave STERLING HEIGHTS, MI 48312 |
| Phone: | (586) 772-6330 |
| Fax: | |
| Website: | https://www.christianfinancialcu.or |
| Branches: | 10 branch locations |
| Members: | 61,822 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63805 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1967 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,062,851,530 |
| CEO/Manager: | Patricia L Campbell |
| Chairperson: | James Banaszak |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 79,814,219 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 502,195,105 |
| Unsecured Loans | 46,135,288 |
| Other Loans | 229,935,692 |
| TOTAL LOANS | 779,052,732 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,261,602 |
| Land And Building | 27,687,368 |
| Other Fixed Assets | 3,259,921 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,494,601 |
| All Other Assets | 163,264 |
| TOTAL ASSETS | 1,062,851,530 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 20,000,000 |
| Accounts Payable & Other Liabilities | 10,919,878 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 144,557,896 |
| Regular shares | 296,797,258 |
| All Other Shares & Deposits | 486,103,861 |
| TOTAL SHARES & DEPOSITS | 927,459,015 |
| TOTAL LIABILITIES | 958,378,893 |
| Regular Reserve | 0 |
| Other Reserves | 27,005,495 |
| Undivided Earnings | 77,467,142 |
| TOTAL EQUITY | 104,472,637 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,062,851,530 |
| INCOME & EXPENSE | |
| Loan Income | 28,881,087 |
| Investment Income | 1,871,962 |
| Other Income | 3,671,156 |
| Total Employee Compensation & Benefits | 13,288,338 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 13,450,091 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 851,000 |
| Cost of Funds | 12,162,771 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,483,428 |
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