Unverified listing What this means
The Lender Report built this page from public records. Omni Community Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Omni Community Credit Union itself. Each figure shows its source and date. Work at Omni Community Credit Union? You can claim this page for free.
Credit union, Battle Creek, MI
Omni Community Credit Union
A credit union based in Battle Creek, MI. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $98.2M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 36
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 17
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $662M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 269-441-1400 From the NCUA record, June 30, 2026.
- Website
- www.omnicommunitycu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- omnicommunitycu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- OMNI COMMUNITYNCUA 5300,
- Address
- PO Box 1537, Battle Creek, MI 49016NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 16.7% to $55.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 12.3% to $19.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 17.3% to $17.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Apr 2026 | Michigan | SBA 7(a), Commercial and Institutional Building Construction | $580K | 8.25% | 25 yr | SBA FOIA | |
| Apr 2026 | Michigan | SBA 7(a), All Other Support Services | $130K | 9.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Michigan | SBA 7(a), New Single-Family Housing Construction (except For-Sale Builders) | $1.2M | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Michigan | SBA 7(a), Other Personal and Household Goods Repair and Maintenance | $550K | 9% | 10 yr | SBA FOIA | |
| Nov 2025 | Michigan | SBA 7(a), Child Care Services | $210K | 9% | 25 yr | SBA FOIA | |
| Sep 2025 | Michigan | SBA 7(a), Full-Service Restaurants | $970K | 10% | 10 yr | SBA FOIA | |
| May 2025 | Michigan | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $310K | 10% | 10 yr | SBA FOIA | |
| Mar 2025 | Michigan | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $1.2M | 8% | 25 yr | SBA FOIA | |
| Mar 2025 | Michigan | SBA 7(a), Full-Service Restaurants | $680K | 9% | 25 yr | SBA FOIA | |
| Mar 2025 | Michigan | SBA 7(a), All Other Amusement and Recreation Industries | $300K | 10% | 10 yr | SBA FOIA | |
| Mar 2025 | Michigan | SBA 7(a), Limited-Service Restaurants | $280K | 9% | 25 yr | SBA FOIA | |
| Mar 2025 | Michigan | SBA 7(a), Other Building Equipment Contractors | $140K | 10% | 10 yr | SBA FOIA | |
| Feb 2025 | Michigan | SBA 7(a), Other Personal Care Services | $150K | 10% | 10 yr | SBA FOIA | |
| Sep 2024 | Michigan | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $960K | 11% | 10 yr | SBA FOIA | |
| Jul 2024 | Michigan | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $350K | 11% | 10 yr | SBA FOIA | |
| Jun 2024 | Michigan | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $140K | 11% | 10 yr | SBA FOIA | |
| 16 SBA 7(a) loans since October 2023, net of cancelled | $8.10M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $19.3M | 5.2% | +12.3% | 60 | $322K |
| Construction and land development | $2.91M | 0.8% | +59.8% | 9 | $323K |
| Owner-occupied CRE | $17.6M | 4.8% | +17.3% | 69 | $255K |
| Non-owner-occupied CRE | $55.8M | 15.1% | +16.7% | 195 | $286K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $2.59M | 0.7% | +9.8% | 21 | $123K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $98.2M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $61.0M |
| Q4 2023 | $63.1M |
| Q1 2024 | $66.8M |
| Q2 2024 | $70.1M |
| Q3 2024 | $74.2M |
| Q4 2024 | $80.4M |
| Q1 2025 | $80.4M |
| Q2 2025 | $84.2M |
| Q3 2025 | $88.1M |
| Q4 2025 | $93.9M |
| Q1 2026 | $96.7M |
| Q2 2026 | $98.2M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 16 | $8.10M | $330K | $1.2M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 5 | $2.65M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $3.4M | $3.4M | $3.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 36 | $11.7M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 6 | $2.08M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $250K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 11 | $2.95M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 18 | $6.39M | NCUA 5300, | ||
| C&I | First half of 2026 | 4 | $1.91M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state. SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $323K |
| Multifamily | $322K |
| Owner-occupied CRE | $255K |
| Non-owner-occupied CRE | $286K |
| Commercial and industrial | $123K |
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2014-08-11.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Michigan HQ | 12 | 0 | 0 | 16 | 1 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $81.1M | $42.8M to $138M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $22.7M | $52.1K to $98.4M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 27.9% | 0.1% to 104.9% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $16.2M | $6.28M to $34.9M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 72.2% | 20.8% to 167.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 56.0% | 23.3% to 80.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 17 days, median of 15
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Team One Credit Union | MI | $766M | $158M |
| Alliance Catholic Credit Union | MI | $719M | $146M |
| Cornerstone Community Financial Credit Union | MI | $470M | $57.8M |
| Diversified Members Credit Union | MI | $589M | $77.9M |
| Sovita Credit Union | MI | $592M | $54.8M |
| Security Credit Union | MI | $653M | $92.3M |
| Lafcu Credit Union | MI | $1.13B | $81.9M |
| Michigan United Credit Union | MI | $349M | $11.2M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Omni Community Credit Union, NCUA charter 60105. Compare it with the regulator's record. [NCUA profile]
- Balances. $662M in total assets and $98.2M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 36 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 17 loans in SBA files, through September 30, 2026: 16 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to Omni Community Credit Union]
- Phone and website. Phone 269-441-1400, from the NCUA record. Website omnicommunitycu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 60105
- RSSD
- 554099
- LEI
- 254900W66Q1214MV8X83
- The Lender Report ID
- lr_002107
- Main office county
- Calhoun
- Members
- 45,984
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $662M in total assets as of June 30, 2026 (NCUA 5300).
- Held $98.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $55.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 16.7% from a year earlier (NCUA 5300).
- Held $19.3M of multifamily loans as of June 30, 2026, up 12.3% from a year earlier (NCUA 5300).
- Held $17.6M of owner-occupied commercial real estate loans as of June 30, 2026, up 17.3% from a year earlier (NCUA 5300).
- Recorded 16 SBA 7(a) approvals totaling $8.1M from October 1, 2023 to September 30, 2026 (SBA).
6 more sentences
- Provided the first lien on 1 SBA 504 project with $3.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 36 real-estate-secured commercial loans totaling $11.7M in the first half of 2026 (NCUA 5300).
- Bought $8.9M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $76.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 12 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Omni Community Credit Union, https://lender.report/lender/omni-community-credit-union-mi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Omni Community Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem