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
- CAMELS 68/100
- HEALTH 21.7%
- NW 2.54%
- DELQ 0.07%
- ROA $63.1M
- ASSETS 12,260
- MEM #3,693/4,374
- RANK DOCHES
- PHOTO 61495
Call Report peers
One Detroit in the assets neighbourhood
One Detroit's $63.1M assets sit next to DOCHES ($63.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
One Detroit vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% 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
One Detroit - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61495. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for One Detroit
One Detroit: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $63.1M (2025Q4) to $65.0M (2026Q1).
- Net-worth ratio shifted -1.03 pp (22.73% → 21.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
One Detroit's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($63.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is One Detroit financially healthy?
A 21.70% net worth ratio and a 2.54% delinquency rate feed into One Detroit's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,693 of 4,374; by total assets it ranks #2,221 of 4,374 nationally (same basis as /rankings/largest); and #128 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does One Detroit compare to other credit unions?
68/100 is One Detroit's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like One Detroit are 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."
What rates does One Detroit offer compared to banks?
Credit unions like One Detroit are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact One Detroit directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.