TellerScore

American 1 Credit Union is a federally insured state-chartered credit union headquartered in Jackson, Michigan, in business for about 46 years. At the end of Q2 2026 it reported $661.3M in total assets and $543.3M in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, American 1 Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 134th. Its strongest component is capital cushion (100/100; 15.58%), and its lowest is loan quality (31/100; 2.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.58%
Loan quality31/100
Loans 60+ days delinquent ÷ total loans: 2.07%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity76/100
Loans ÷ shares: 83.8% · 4.6% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (60 → 65), mostly because the earnings component improved by 16 points.

TellerScore
586469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202463
Q1 202558
Q2 202560
Q3 202560
Q4 202562
Q1 202663
Q2 202665
Net worth ratio
7.00%11.29%15.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.20%
Q3 202415.04%
Q4 202415.08%
Q1 202514.79%
Q2 202515.03%
Q3 202515.54%
Q4 202515.40%
Q1 202615.27%
Q2 202615.58%
Delinquent loans (60+ days)
1.93%2.25%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.93%
Q3 20242.16%
Q4 20242.56%
Q1 20252.24%
Q2 20252.21%
Q3 20252.37%
Q4 20252.46%
Q1 20262.14%
Q2 20262.07%
Return on assets
-0.06%0.47%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20240.86%
Q4 20240.80%
Q1 2025-0.06%
Q2 20250.14%
Q3 20250.26%
Q4 20250.56%
Q1 20260.33%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$661.3M15.58%2.07%0.53%83.8%
Q1 202663$666.9M15.27%2.14%0.33%83.5%
Q4 202562$657.6M15.40%2.46%0.56%86.2%
Q3 202560$649.7M15.54%2.37%0.26%88.7%
Q2 202560$666.3M15.03%2.21%0.14%87.3%
Q1 202558$673.4M14.79%2.24%-0.06%84.7%
Q4 202463$660.9M15.08%2.56%0.80%87.5%
Q3 202467$670.2M15.04%2.16%0.86%83.9%
Q2 202469$704.6M14.20%1.93%1.00%78.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.58%
88th
Problem loans2.07%
6th
Net charge-offs2.62%
0th
Return on assets0.53%
33rd
Loans to deposits83.8%
31st
Uninsured deposits4.6%
64th
Loan-loss reserves0.00%
50th
Texas ratio9.3%
15th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs
Adventure Credit UnionCredit union Grand Rapids, MI67 out of 100, Moderate$645.9M11.5%0.73%vs
Embers Credit UnionCredit union Marquette, MI76 out of 100, Strong$621.8M12.1%0.64%vs
Northland Area Federal Credit UnionCredit union Alpena, MI65 out of 100, Moderate$714.4M10.3%0.88%vs
Alliance Catholic Credit UnionCredit union Farmington Hill, MI78 out of 100, Strong$718.5M12.4%0.36%vs

Deposit insurance

Is my money safe at American 1 Credit Union?

Yes. American 1 Credit Union is a federally insured credit union (NCUA charter #65595). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.6% of shares and deposits ($25.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

American 1 Credit Union lists 7 offices in 7 cities. Most locations:

  • Chelsea, MI (1)
  • Clarklake, MI (1)
  • Jackson, MI (1)
  • Manchester, MI (1)
  • Marshall, MI (1)
  • Michigan Center, MI (1)
  • Spring Arbor, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
American 1 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65595
RSSD ID
672984
Primary regulator
State + NCUA
Established
1980
Headquarters
718 E Michigan Ave, Jackson, MI 49201
Employees
261

Quick answers

American 1 Credit Union: common questions

Is American 1 Credit Union NCUA insured?

Yes. American 1 Credit Union is a federally insured credit union (NCUA charter #65595). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is American 1 Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does American 1 Credit Union have?

7 offices as of the latest NCUA data.