Credit Union One (NCUA charter #62562) is based in Ferndale, Michigan. Its Q2 2026 call report shows $1.8B in total assets and $1.6B in member shares and deposits and 17 offices.
Credit Union One has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 62nd. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (66/100, 11.63%).
TellerScore · Q2 2026
Scorecard
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 4 points (72 → 76), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.83% |
| Q3 2024 | 10.29% |
| Q4 2024 | 10.26% |
| Q1 2025 | 10.44% |
| Q2 2025 | 10.69% |
| Q3 2025 | 10.96% |
| Q4 2025 | 11.09% |
| Q1 2026 | 11.41% |
| Q2 2026 | 11.63% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $1.8B | 11.63% | 0.42% | 1.18% | 82.5% |
| Q1 2026 | 76 | $1.8B | 11.41% | 0.40% | 1.18% | 79.8% |
| Q4 2025 | 73 | $1.8B | 11.09% | 0.49% | 1.08% | 81.4% |
| Q3 2025 | 72 | $1.7B | 10.96% | 0.49% | 1.03% | 80.9% |
| Q2 2025 | 72 | $1.8B | 10.69% | 0.49% | 0.99% | 76.0% |
| Q1 2025 | 72 | $1.8B | 10.44% | 0.42% | 0.92% | 73.3% |
| Q4 2024 | 69 | $1.7B | 10.26% | 0.53% | 0.88% | 75.9% |
| Q3 2024 | 70 | $1.7B | 10.29% | 0.47% | 0.96% | 77.6% |
| Q2 2024 | 69 | $1.7B | 9.83% | 0.44% | 0.88% | 76.7% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Honor Credit UnionCredit union Berrien Springs, MI | 70 out of 100, Strong | $1.9B | 12.2% | 0.92% | vs |
| Financial Plus Credit UnionCredit union Flint, MI | 72 out of 100, Strong | $1.7B | 11.7% | 0.48% | vs |
| Frankenmuth Credit UnionCredit union Frankenmuth, MI | 64 out of 100, Moderate | $1.6B | 10.3% | 1.19% | vs |
| Vibe Credit UnionCredit union Novi, MI | 62 out of 100, Moderate | $1.6B | 10.5% | 1.08% | vs |
| Community Choice Credit UnionCredit union Farmington Hill, MI | 67 out of 100, Moderate | $2.1B | 9.5% | 0.75% | vs |
| Michigan First Credit UnionCredit union Lathrup Village, MI | 72 out of 100, Strong | $1.5B | 15.8% | 1.14% | vs |
Deposit insurance
Is my money safe at Credit Union One?
Yes. Credit Union One is a federally insured credit union (NCUA charter #62562). 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 5.9% of shares and deposits ($94.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
17 locations
Branches
Credit Union One lists 17 offices in 17 cities. Most locations:
- Ann Arbor, MI (1)
- Berkley, MI (1)
- Davison, MI (1)
- Detroit, MI (1)
- Farmington, MI (1)
- Ferndale, MI (1)
- Grand Rapids, MI (1)
- Macomb, MI (1)
- Saint Clair Shores, MI (1)
- Shelby Township, MI (1)
- Southgate, MI (1)
- Sterling Heights, MI (1)
HMDA 2025
Mortgage lending
In 2025, Credit Union One reported 3,287 home-loan applications under HMDA (LEI 5493008NQVB5ZOWYNU83): 1,851 originated ($2,941,815,000 total), 878 denied, and 307 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Credit Union One
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62562
- RSSD ID
- 443193
- Primary regulator
- State + NCUA
- Established
- 1938
- Headquarters
- 400 E. Nine Mile Road, Ferndale, MI 48220
- Employees
- 369
Quick answers
Credit Union One: common questions
Is Credit Union One NCUA insured?
Yes. Credit Union One is a federally insured credit union (NCUA charter #62562). 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 Credit Union One's TellerScore?
76 out of 100 (Strong), 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 Credit Union One have?
17 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Ferndale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |