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
Call Report peers
American 1 in the assets neighbourhood
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
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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
- Assets moved +1.4% from $657.6M (2025Q4) to $666.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (15.40% → 15.27%).
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.
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."
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.