State credit union · JACKSON, Michigan · NCUA charter #65595
American 1
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $657.6M
- Total assets
- 67,308
- Members
- 15.3%
- Net-worth ratio
American 1 scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $657.6M; members 67,308; net-worth ratio 15.27%; health rank #2,556 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,556 of 4,374 health · 2025Q4American 1 · health 81/100 · $657.6M · 2025Q4
- BOOK 81/100
- CHARTER 15.3%
- NCUSIF 2.46%
- CAMELS 0.81%
- HEALTH $657.6M
- NW 67,308
- DELQ #2,556/4,374
- ROA Bellwether Community
- ASSETS 65595
Call Report peers
American 1 in the assets neighbourhood
American 1's $657.6M assets sit next to Bellwether Community ($658.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American 1 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
American 1 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65595. See our deposit-insurance coverage note.
Peer-gap read for American 1
- Net Worth Ratio leads the peer set - 15.27% here, 11.18% peer average (+4.09 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.58 pp (2.46% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
American 1: in-state Call Report ranks
- Michigan health ordinal: #130 of 171.
- By total assets, American 1 is #38 of 171 in Michigan.
- Membership ranks #26 of 171 among Michigan CUs with a reported count (67,308 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
American 1: 2025Q4 → 2026Q1
American 1: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $657.6M (2025Q4) to $666.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (15.40% → 15.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for American 1
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.27% | +4.09 pp |
| Delinquency Rate | 2.46% | +1.58 pp |
| Return on Assets | 0.81% | +0.30 pp |
| Member Growth | 1.68% | - |
| Loan-to-Share Ratio | 86.24% | +2.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
American 1 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $666.9M | - |
| 2025Q4 | $657.6M | 67,308 |
| 2024Q4 | $660.9M | 66,198 |
| 2023Q4 | $683.6M | 64,464 |
Credit Union Details
- Charter Number
- 65595
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Locations (18)
American 1 operates 18 offices across 12 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Office (Main Office) | Jackson, MI |
| Adrian - Maumee | Adrian, MI |
| Battle Creek | Battle Creek, MI |
| Brooklyn | Brooklyn, MI |
| Chelsea US-12 | Chelsea, MI |
| Clark Lake | Clarklake, MI |
| Hillsdale | Hillsdale, MI |
| Vandercook | Jackson, MI |
| Parnall | Jackson, MI |
| Drive Thru | Jackson, MI |
| North St | Jackson, MI |
| Cooper St | Jackson, MI |
| Robinson Rd | Jackson, MI |
| Manchester | Manchester, MI |
| Marshall | Marshall, MI |
| Michigan Center | Michigan Center, MI |
| Milan | Milan, MI |
| Spring Arbor | Spring Arbor, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
American 1 nationwide neighbourhoods
Two NCUA Call Report peer sets for American 1, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($657.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- American 1 ranks #2,556 of 4,374 nationally on financial health and #130 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alliance Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alliance Catholic
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is American 1 financially healthy?
American 1 scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,556 of 4,374; by total assets it ranks #641 of 4,374 nationally (same basis as /rankings/largest); and #38 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.27% net worth ratio and a 2.46% delinquency rate.
How does American 1 compare to other credit unions?
Five weighted metrics from NCUA filings produce American 1's 81/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join American 1?
Membership eligibility for American 1 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact American 1 directly for current membership requirements and application steps.
Is my money safe at American 1?
Federal credit unions like American 1 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. American 1's net worth ratio of 15.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American 1 offer compared to banks?
Credit unions like American 1 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact American 1 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.