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 · 2025Q4

American 1 · health 81/100 · $657.6M · 2025Q4

American 1 in the assets neighbourhood

R.I.A.$659.3MINSIGHT$659.2MBellwether Community$658.0MAmerican 1 (this)$657.6MINOVA$655.7MResource One$655.7M
Nearest other-state credit unions by total assets (NCUA 5300)

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

The busiest band is 85-89 (858 credit unions); American 1 sits in 80-84 with 767 others.

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

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%).

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).
  • One place up in Michigan, Michigan First (#129) ties at 81/100; one place down, CHIROPRACTIC (#131) ties at 81/100.

American 1: 2025Q4 → 2026Q1

American 1: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

650,000,000660,000,000670,000,000680,000,000690,000,000 2023Q42024Q42025Q42026Q1 683,625,419 666,872,866 ▼ -2.5%
  • Assets moved +1.4% from $657.6M (2025Q4) to $666.9M (2026Q1).
  • Net-worth ratio shifted -0.13 pp (15.40% → 15.27%).
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

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

American 1 gives up 19 points in total. Delinquency Rate costs the most, 15.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.

  • 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

Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.

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.

Compare American 1 vs ALLIANCE CATHOLIC

American 1 nationwide neighbourhoods

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

Frequently Asked Questions

Is American 1 financially healthy?

On its 2025Q4 NCUA 5300 filing, American 1 scores 81/100 (Excellent), with a 15.27% net worth ratio and 2.46% of loans delinquent. It ranks #2,556 of 4,374 nationally on health and #130 of 171 in Michigan.

How does American 1 compare to other credit unions?

American 1 scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.27% vs 11.18%). Its widest shortfall is delinquency rate (2.46% vs 0.87%).

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?

American 1 is a state-chartered credit union; its shares are federally 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."

Data sourced from the NCUA 5300 Call Report (2025Q4) for American 1. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.