State credit union · Ionia, Michigan · NCUA charter #62169
Michigan One Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $232.4M
- Total assets
- 18,606
- Members
- 9.9%
- Net-worth ratio
Michigan One Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $232.4M; members 18,606; net-worth ratio 9.93%; health rank #1,318 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,318 of 4,374 health · 2025Q4Michigan One Community · health 89/100 · $232.4M · 2025Q4
Call Report peers
Michigan One Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Michigan One Community vs every NCUA-scored credit union
Michigan One Community sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where Michigan One Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 84.17% here, 72.20% peer average (+11.97 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.18 pp (9.93% vs 12.11%).
Michigan standing for Michigan One Community
- Health composite ranks #60 of 171 among scored Michigan credit unions.
- By total assets, Michigan One Community is #74 of 171 in Michigan.
- Michigan membership ordinal: #68 of 171.
- One place up in Michigan, GERBER (#59) ties at 89/100; one place down, JOURNEY (#61) ties at 89/100.
Quarter path for Michigan One Community
Michigan One Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $232.4M (2025Q4) to $237.9M (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.97% → 9.93%).
This credit union's 9.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Michigan One Community gives up 11 points in total. Member Growth costs the most, 8.9 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for Michigan One Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.93% | -2.18 pp |
| Delinquency Rate | 0.74% | -0.16 pp |
| Return on Assets | 0.88% | +0.26 pp |
| Member Growth | -1.61% | - |
| Loan-to-Share Ratio | 84.17% | +11.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $237.9M | - |
| 2025Q4 | $232.4M | 18,606 |
| 2024Q4 | $224.2M | 18,911 |
| 2023Q4 | $212.1M | 18,798 |
Credit Union Details
- Charter Number
- 62169
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Ionia
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Michigan One Community runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Ionia, MI |
| Alma Office | Alma, MI |
| Carson City Office | Carson City, MI |
| Greenville West Office | Greenville, MI |
| South Ionia Office | Ionia, 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.
Cross-state Call Report peers for Michigan One Community
Similar total assets
Using this data
- Michigan One Community ranks #1,318 of 4,374 nationally on financial health and #60 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Isabella Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Isabella Community
Frequently Asked Questions
Is Michigan One Community financially healthy?
Michigan One Community has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,318 of 4,374 nationally on health and #60 of 171 in Michigan. Its net worth ratio is 9.93% and its delinquency rate 0.74%.
How does Michigan One Community compare to other credit unions?
Michigan One Community scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.17% vs 72.20%). Its widest shortfall is net worth ratio (9.93% vs 12.11%).
How can I join Michigan One Community?
Membership eligibility for Michigan One Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Michigan One Community directly for current membership requirements and application steps.
Is my money safe at Michigan One Community?
Michigan One Community 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. Michigan One Community's net worth ratio of 9.93% 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.