MSGCU’s headquarters based in Clinton Township, Mich.
In a move reflecting the national trend of strategic credit union mergers, T&I Credit Union has officially merged into the Clinton Township, Mich.-based Michigan Schools and Government Credit Union (MSGCU), effective April 1. The merger, approved by T&I members in March and previously cleared by regulators, brings the $90 million Clawson-based credit union into the larger $3.9 billion MSGCU network.
T&I’s Clawson branch will join MSGCU’s 22-and-growing branch footprint, expanding access for its 3,878 members to MSGCU’s full suite of products and services. Credit union officials stated integration is expected to be completed later this year.
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“We are proud to welcome T&I Credit Union members and team members to MSGCU and look forward to helping our new members achieve financial success,” Steve Brewer, MSGCU's president/CEO, said. “Our team is grateful to T&I Credit Union members for placing their trust in us.”
T&I CEO Kathy Karner emphasized alignment in mission and values. “Merging into MSGCU will ensure T&I Credit Union members continue to receive excellent service and have increased access to convenient service channels,” she said.
The merger contributes to a larger wave of consolidations in the credit union industry. In 2024, the NCUA approved 162 mergers, up from 145 in 2023. While some consolidations were due to financial distress or leadership gaps, 26 mergers were strategic, like MSGCU’s, aimed at expanding services and reach.
MSGCU now serves more than 154,000 members statewide, offering expanded access, technology and financial products to its newest members from T&I, continuing a 70-year legacy of people-focused service.
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Michael Ogden
Editor-in-Chief at CU Times. To connect, email at [email protected]. As Editor-in-Chief of CU Times since 2016, Michael Ogden has led the editorial team in all aspects of content strategy and execution, including the creation of the publication’s exclusive and proprietary research database of the credit union industry’s economic landscape. Under Michael’s leadership, CU Times has successfully shifted to an all-digital editorial product with new focuses on the payments, fraud, lending and regulatory beats. Most recently, he introduced a data-focused editorial product for subscribers that breaks down credit union issues into hard data, allowing for a deeper and more factual narrative for readers. In 2024, he launched the "Shared Accounts With CU Times" podcast, which offers a fresh, inside-the-newsroom perspective through interviews with leaders from the credit union industry and the regulatory world. He dives into pressing credit union issues, while revealing the personalities working behind-the-scenes to push the credit union world forward. His background includes years as a radio and TV anchor/reporter and a public relations and digital/social media manager, where he covered the food and music industries, as well as cooperatives and credit unions. Over the years, he has launched numerous exclusive video and podcast series, including a successful series of interactive backstage interviews with musicians at music festivals, showcasing his social media and live streaming production skills.
