Sep, 30, 2025 — PFCU CREDIT UNION (PFCU) is a federally insured state chartered credit union headquartered in PORTLAND, MI with 13 branch locations and about $819.85 million in total assets. Opened 79 years ago in 1947, PFCU CREDIT UNION (PFCU) has about 56,814 members and employs 187 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PFCU CREDIT UNION |
|---|---|
| Address: (Main Office) | 9077 Charlotte Hwy PORTLAND, MI 48875 |
| Phone: | (844) 517-3611 |
| Fax: | |
| Website: | https://www.pfcu4me.com |
| Branches: | 13 branch locations |
| Members: | 56,814 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68690 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $819,853,531 |
| CEO/Manager: | Michele R Makley |
| Chairperson: | Michael Ward |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 81,932,020 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 217,904,417 |
| Unsecured Loans | 30,739,956 |
| Other Loans | 293,211,702 |
| TOTAL LOANS | 541,856,075 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,921,057 |
| Land And Building | 8,326,733 |
| Other Fixed Assets | 3,942,849 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 7,008,819 |
| All Other Assets | 70,600 |
| TOTAL ASSETS | 819,853,531 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 208,125 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,582,464 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 153,296,659 |
| Regular shares | 231,376,275 |
| All Other Shares & Deposits | 342,430,149 |
| TOTAL SHARES & DEPOSITS | 727,103,082 |
| TOTAL LIABILITIES | 729,893,671 |
| Regular Reserve | 0 |
| Other Reserves | 27,961,148 |
| Undivided Earnings | 61,998,712 |
| TOTAL EQUITY | 89,959,860 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 819,853,531 |
| INCOME & EXPENSE | |
| Loan Income | 24,346,260 |
| Investment Income | 5,752,834 |
| Other Income | 3,480,549 |
| Total Employee Compensation & Benefits | 13,205,375 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 12,336,964 |
| Non-operating Income & (Expense) | 51,732 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,014,281 |
| Cost of Funds | 5,645,596 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,875,464 |
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