International Uaw vs Route 31
Comparing a Credit Union in Detroit, MI with a Credit Union in Muskegon, MI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| International Uaw ↗ Credit Union · Detroit, MI · Est. 1944 | Route 31 ↗ Credit Union · Muskegon, MI · Est. 1949 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Detroit, MI | Muskegon, MI |
| Total assets | $21.1M | $101.5M |
| Net worth ratio | 14.8% | 13.5% |
| Return on assets | 1.5% | 1.0% |
| Shares & deposits | — | — |
| Members | 1,736 | 9,472 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 170 | #5 of 170 |
| Established | 1944 | 1949 |
International Uaw
- Assets: $21.1M
- Members: 1,736
- Capital ratio: 14.8%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #2 of 170
Route 31
- Assets: $101.5M
- Members: 9,472
- Capital ratio: 13.5%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #5 of 170
Are both institutions federally insured?
Yes. International Uaw is NCUA-insured and Route 31 is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, International Uaw or Route 31?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — International Uaw scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is International Uaw safe?
Yes — International Uaw is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Route 31 safe?
Yes — Route 31 is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of International Uaw vs Route 31?
International Uaw has a net worth ratio of 14.8%, placing it in the top 46% of <$100M peers. Route 31's ratio is 13.5%, placing it in the top 23% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does International Uaw have compared to Route 31?
The CFPB database shows 0 complaints against International Uaw, and 0 complaints against Route 31. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare International Uaw with other Credit Unions in Michigan
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
