Sep, 30, 2025 — SHORE TO SHORE COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in TRENTON, MI with 2 branch locations and about $81.52 million in total assets. Opened 73 years ago in 1953, SHORE TO SHORE COMMUNITY FEDERAL CREDIT UNION has about 5,398 members and employs 16 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SHORE TO SHORE COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 4550 Division St TRENTON, MI 48183 |
| Phone: | (734) 675-3100 |
| Fax: | (734) 675-4204 |
| Website: | https://www.shore2shorecu.com |
| Branches: | 2 branch locations |
| Members: | 5,398 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8349 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $81,524,403 |
| CEO/Manager: | Jennifer C Guest |
| Chairperson: | Richard Savage |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,870,461 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,264,636 |
| Unsecured Loans | 3,755,489 |
| Other Loans | 13,684,773 |
| TOTAL LOANS | 28,704,898 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -368,425 |
| Land And Building | 1,215,216 |
| Other Fixed Assets | 155,153 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 695,400 |
| All Other Assets | 0 |
| TOTAL ASSETS | 81,524,403 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 28,498 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 403,724 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,667,741 |
| Regular shares | 43,029,518 |
| All Other Shares & Deposits | 13,157,392 |
| TOTAL SHARES & DEPOSITS | 71,854,651 |
| TOTAL LIABILITIES | 72,286,889 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 9,237,514 |
| TOTAL EQUITY | 9,237,514 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 81,524,403 |
| INCOME & EXPENSE | |
| Loan Income | 1,347,235 |
| Investment Income | 1,221,742 |
| Other Income | 305,386 |
| Total Employee Compensation & Benefits | 911,407 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,172,300 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 133,164 |
| Cost of Funds | 102,303 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 859,256 |
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