Route 31
Route 31 is a credit union based in Muskegon, Michigan, established in 1949, with $102 million in total assets serving 9,472 members. By Trust Grade it ranks 5th of 170 credit unions we track in Michigan. Its net worth ratio of 13.5% is stronger than 77% of similarly sized credit unions, versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.03% return on assets. No consumer complaints against Route 31 appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Route 31 compares to Michigan peers
How we graded Route 31
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.5% capital ratio)
- Strongly profitable (ROA 1.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Route 31 over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Route 31 insured?
Yes. Route 31 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.
Route 31: frequently asked questions
Is Route 31 a good credit union?
Route 31 earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.5% capital ratio); Strongly profitable (ROA 1.03%).
Is Route 31 NCUA-insured?
Yes. Route 31 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 Route 31?
Route 31 holds $102 million in total assets, ranking 5th of 170 credit unions we track in Michigan. It serves 9,472 members.
Does Route 31 have CFPB complaints?
No CFPB complaints against Route 31 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.
