Michigan Columbus vs Route 31
Comparing a Credit Union in Livonia, MI with a Credit Union in Muskegon, MI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Michigan Columbus ↗ Credit Union · Livonia, MI · Est. 1947 | Route 31 ↗ Credit Union · Muskegon, MI · Est. 1949 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Livonia, MI | Muskegon, MI |
| Total assets | $75.3M | $101.5M |
| Net worth ratio | 16.4% | 13.5% |
| Return on assets | 2.7% | 1.0% |
| Shares & deposits | — | — |
| Members | 4,025 | 9,472 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 170 | #5 of 170 |
| Established | 1947 | 1949 |
Michigan Columbus
- Assets: $75.3M
- Members: 4,025
- Capital ratio: 16.4%
- Return on assets: 2.7%
- CFPB complaints: 0
- State rank: #3 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. Michigan Columbus 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, Michigan Columbus or Route 31?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Michigan Columbus 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 Michigan Columbus safe?
Yes — Michigan Columbus 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 Michigan Columbus vs Route 31?
Michigan Columbus has a net worth ratio of 16.4%, placing it in the top 37% 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 Michigan Columbus have compared to Route 31?
The CFPB database shows 0 complaints against Michigan Columbus, 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 Michigan Columbus 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.
