State credit union · Ferndale, Michigan · NCUA charter #62562
Credit Union One
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.76B
- Total assets
- 108,498
- Members
- 11.4%
- Net-worth ratio
Credit Union One scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.76B; members 108,498; net-worth ratio 11.41%; health rank #949 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#949 of 4,374 health · 2025Q4Credit Union One · health 91/100 · $1.76B · 2025Q4
Call Report peers
Credit Union One in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Credit Union One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Credit Union One sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Credit Union One: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.38 pp (0.49% vs 0.87%).
- Loan-to-Share Ratio trails the peer set - 81.40% here, 83.90% peer average (-2.50 pp).
Where Credit Union One sits in Michigan
- Health composite ranks #39 of 171 among scored Michigan credit unions.
- By total assets, Credit Union One is #15 of 171 in Michigan.
- Member book place in Michigan: #15 of 171.
- One place up in Michigan, Kenowa Community (#38) ties at 91/100; one place down, WILDFIRE (#40) ties at 91/100.
Credit Union One Call Report trajectory
Credit Union One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $1.76B (2025Q4) to $1.82B (2026Q1).
- Net-worth ratio shifted +0.32 pp (11.09% → 11.41%).
At 11.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Credit Union One gives up 9 points in total. Member Growth costs the most, 8.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Credit Union One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.41% | +0.23 pp |
| Delinquency Rate | 0.49% | -0.38 pp |
| Return on Assets | 0.85% | +0.35 pp |
| Member Growth | -1.45% | - |
| Loan-to-Share Ratio | 81.40% | -2.50 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Credit Union One filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.82B | - |
| 2025Q4 | $1.76B | 108,498 |
| 2024Q4 | $1.72B | 110,098 |
| 2023Q4 | $1.72B | 114,269 |
Credit Union Details
- Charter Number
- 62562
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Ferndale
- Data Quarter
- 2025Q4
Branch Locations (17)
The NCUA branch filing lists 17 physical offices for Credit Union One, spread across 17 cities.
| Office | City |
|---|---|
| CUO-Ferndale (Main Office) | Ferndale, MI |
| CUO-Ann Arbor | Ann Arbor, MI |
| CUO-Berkley | Berkley, MI |
| CUO-Davison | Davison, MI |
| CUO-Southwest | Detroit, MI |
| CUO-Farmington | Farmington, MI |
| CUO-GR | Grand Rapids, MI |
| CUO-Macomb | Macomb, MI |
| CUO-St. Clair Shores | Saint Clair Shores, MI |
| CUO-Shelby Twp. | Shelby Township, MI |
| CUO-Southgate | Southgate, MI |
| CUO-Sterling Hts. | Sterling Heights, MI |
| CUO-TC | Traverse City, MI |
| CUO-Troy | Troy, MI |
| CUO-Waterford | Waterford, MI |
| CUO-West Bloomfield | West Bloomfield, MI |
| CUO-Westland | Westland, 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.
Credit Union One nationwide neighbourhoods
Using this data
- Credit Union One ranks #949 of 4,374 nationally on financial health and #39 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HONOR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HONOR
Frequently Asked Questions
Is Credit Union One financially healthy?
Credit Union One has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #949 of 4,374 nationally on health and #39 of 171 in Michigan. Its net worth ratio is 11.41% and its delinquency rate 0.49%.
How does Credit Union One compare to other credit unions?
Credit Union One scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.49% vs 0.87%). Its widest shortfall is loan-to-share ratio (81.40% vs 83.90%).
How can I join Credit Union One?
Membership eligibility for Credit Union One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union One directly for current membership requirements and application steps.
Is my money safe at Credit Union One?
Credit Union One 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. Credit Union One's net worth ratio of 11.41% 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.