State credit union · Detroit, Michigan · NCUA charter #61495
One Detroit
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $63.1M
- Total assets
- 12,260
- Members
- 21.7%
- Net-worth ratio
One Detroit scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.1M; members 12,260; net-worth ratio 21.70%; health rank #3,693 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,693 of 4,374 health · 2025Q4One Detroit · health 68/100 · $63.1M · 2025Q4
Call Report peers
One Detroit in the assets neighbourhood
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One Detroit vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); One Detroit sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
One Detroit vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +14.47 pp (77.07% vs 62.60%).
- Widest shortfall vs peers is Delinquency Rate: +1.57 pp (2.54% vs 0.96%).
Michigan standing for One Detroit
- In Michigan, health place is #163 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #128 of 171 inside Michigan ($63.1M reported).
- Membership ranks #88 of 171 among Michigan CUs with a reported count (12,260 members).
- One place up in Michigan, Tahquamenon Area (#162) scores 69/100, 1 point higher; one place down, Montcalm Public Employees (#164) ties at 68/100.
Quarter path for One Detroit
One Detroit: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $63.1M (2025Q4) to $65.0M (2026Q1).
- Net-worth ratio shifted -1.03 pp (22.73% → 21.70%).
This credit union's 21.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
One Detroit gives up 32 points in total. Delinquency Rate costs the most, 15.9 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.1 pts
- Return on Assets 7.7 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for One Detroit
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.70% | +8.08 pp |
| Delinquency Rate | 2.54% | +1.57 pp |
| Return on Assets | 0.07% | -0.59 pp |
| Member Growth | -1.77% | - |
| Loan-to-Share Ratio | 77.07% | +14.47 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
One Detroit quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.0M | - |
| 2025Q4 | $63.1M | 12,260 |
| 2024Q4 | $64.1M | 12,481 |
| 2023Q4 | $59.8M | 11,609 |
Credit Union Details
- Charter Number
- 61495
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Detroit
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for One Detroit, spread across 3 cities.
| Office | City |
|---|---|
| One Detroit Credit Union (Main Office) | Detroit, MI |
| Eastside | Detroit, MI |
| Highland Park | Highland Park, MI |
| Inkster | Inkster, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- One Detroit ranks #3,693 of 4,374 nationally on financial health and #163 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lincoln Park Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lincoln Park Community
Frequently Asked Questions
Is One Detroit financially healthy?
On its 2025Q4 NCUA 5300 filing, One Detroit scores 68/100 (Good), with a 21.70% net worth ratio and 2.54% of loans delinquent. It ranks #3,693 of 4,374 nationally on health and #163 of 171 in Michigan.
How does One Detroit compare to other credit unions?
One Detroit scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (77.07% vs 62.60%). Its widest shortfall is delinquency rate (2.54% vs 0.96%).
How can I join One Detroit?
Membership eligibility for One Detroit depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact One Detroit directly for current membership requirements and application steps.
Is my money safe at One Detroit?
One Detroit 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. One Detroit's net worth ratio of 21.70% 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.