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
- ROA 86/100
- ASSETS 9.7%
- MEM 0.64%
- RANK 0.37%
- PHOTO $765.3M
- BOOK 47,319
- CHARTER #1,848/4,374
- NCUSIF Department of Commerce
- CAMELS 62141
Call Report peers
Team One in the assets neighbourhood
Team One's $765.3M assets sit next to Department of Commerce ($764.6M) 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.
Team One 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
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
Team One - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62141. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Team One: 2025Q4 → 2026Q1
Team One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $765.3M (2025Q4) to $767.4M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.49% → 9.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Team One, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($765.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 Team One financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Team One carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,848 of 4,374; by total assets it ranks #572 of 4,374 nationally (same basis as /rankings/largest); and #35 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.69% net worth ratio and a 0.64% delinquency rate.
How does Team One compare to other credit unions?
86/100 is Team One's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like Team One 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. Team One's net worth ratio of 9.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Team One offer compared to banks?
Credit unions like Team One 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 Team One 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.