Sep, 30, 2025 — MUSKEGON ST JOSEPH FEDERAL CREDIT UNION is a federal credit union headquartered in MUSKEGON, MI with 1 branch location and about $13.02 million in total assets. Opened 74 years ago in 1952, MUSKEGON ST JOSEPH FEDERAL CREDIT UNION has about 1,346 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MUSKEGON ST JOSEPH FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1903 Barclay St MUSKEGON, MI 49441 |
| Phone: | (231) 759-7931 |
| Fax: | (231) 759-7432 |
| Website: | n/a |
| Branches: | 1 branch locations |
| Members: | 1,346 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8141 |
|---|---|
| Membership Type: | Associational - Religious, other than those designated 'low-income' |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $13,022,330 |
| CEO/Manager: | Mary L Kleinsorge |
| Chairperson: | Stephen M Benedict |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 435,569 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,439,463 |
| Unsecured Loans | 681,517 |
| Other Loans | 4,404,830 |
| TOTAL LOANS | 8,525,810 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -115,882 |
| Land And Building | 0 |
| Other Fixed Assets | 6,471 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 123,260 |
| All Other Assets | 0 |
| TOTAL ASSETS | 13,022,330 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 70,909 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 19,950 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 11,599,495 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 11,599,495 |
| TOTAL LIABILITIES | 11,690,354 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,331,976 |
| TOTAL EQUITY | 1,331,976 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 13,022,330 |
| INCOME & EXPENSE | |
| Loan Income | 495,947 |
| Investment Income | 69,590 |
| Other Income | 15,254 |
| Total Employee Compensation & Benefits | 142,713 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 109,410 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 14,050 |
| Cost of Funds | 210,030 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 104,588 |
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