Dowagiac Area
Dowagiac Area is a credit union based in Dowagiac, Michigan, established in 1972, with $26 million in total assets serving 1,829 members. By Trust Grade it ranks 84th of 170 credit unions we track in Michigan. Its net worth ratio of 10.7% trails most similarly sized credit unions (23th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.36% return on assets. No consumer complaints against Dowagiac Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Dowagiac Area compares to Michigan peers
How we graded Dowagiac Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.7% capital ratio)
- Strongly profitable (ROA 1.36%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Dowagiac Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Dowagiac Area insured?
Yes. Dowagiac Area is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Dowagiac Area: frequently asked questions
Is Dowagiac Area a good credit union?
Dowagiac Area earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (10.7% capital ratio); Strongly profitable (ROA 1.36%).
Is Dowagiac Area NCUA-insured?
Yes. Dowagiac Area is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Dowagiac Area?
Dowagiac Area holds $26 million in total assets, ranking 84th of 170 credit unions we track in Michigan. It serves 1,829 members.
Does Dowagiac Area have CFPB complaints?
No CFPB complaints against Dowagiac Area appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
