State credit union · SAGINAW, Michigan · NCUA charter #62141
Team One
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $765.3M
- Total assets
- 47,319
- Members
- 9.7%
- Net-worth ratio
Team One scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $765.3M; members 47,319; net-worth ratio 9.69%; health rank #1,848 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,848 of 4,374 health · 2025Q4Team One · health 86/100 · $765.3M · 2025Q4
Call Report peers
Team One in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Team One vs every NCUA-scored credit union
Team One sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 Team One diverges from peer averages
- Delinquency Rate leads the peer set - 0.64% here, 0.87% peer average (-0.24 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.38 pp (76.52% vs 83.90%).
Michigan standing for Team One
- Michigan health ordinal: #92 of 171.
- Michigan assets place: #35 of 171.
- Membership ranks #36 of 171 among Michigan CUs with a reported count (47,319 members).
- One place up in Michigan, COMPASS (#91) ties at 86/100; one place down, Wolverine State (#93) ties at 86/100.
Team One: 2025Q4 → 2026Q1
Team One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $765.3M (2025Q4) to $767.4M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.49% → 9.69%).
This credit union's 9.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Team One gives up 14 points in total. Member Growth costs the most, 9.8 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 23.6 pts
- Return on Assets 13.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Team One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.69% | -1.49 pp |
| Delinquency Rate | 0.64% | -0.24 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | -2.11% | - |
| Loan-to-Share Ratio | 76.52% | -7.38 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Team One filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $767.4M | - |
| 2025Q4 | $765.3M | 47,319 |
| 2024Q4 | $750.7M | 48,340 |
| 2023Q4 | $740.5M | 51,884 |
Credit Union Details
- Charter Number
- 62141
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- SAGINAW
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for Team One, spread across 9 cities.
| Office | City |
|---|---|
| SAGINAW MAIN (Main Office) | SAGINAW, MI |
| BAD AXE | BAD AXE, MI |
| BAY CITY | BAY CITY, MI |
| CARO | CARO, MI |
| Flint | Flint, MI |
| Owosso | Owosso, MI |
| SAGINAW TOWNSHIP | SAGINAW, MI |
| THOMAS TOWNSHIP | SAGINAW, MI |
| VA Hospital | Saginaw, MI |
| Washington Ave | Saginaw, MI |
| SANDUSKY | SANDUSKY, MI |
| Traverse City | Traverse City, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Team One ranks #1,848 of 4,374 nationally on financial health and #92 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northland Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northland Area
Frequently Asked Questions
Is Team One financially healthy?
Team One has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,848 of 4,374 nationally on health and #92 of 171 in Michigan. Its net worth ratio is 9.69% and its delinquency rate 0.64%.
How does Team One compare to other credit unions?
Team One scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.64% vs 0.87%). Its widest shortfall is loan-to-share ratio (76.52% vs 83.90%).
How can I join Team One?
Membership eligibility for Team One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Team One directly for current membership requirements and application steps.
Is my money safe at Team One?
Team 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. Team One's net worth ratio of 9.69% 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.