TellerScore

Michigan One Community Credit Union is a federally insured state-chartered credit union headquartered in Ionia, Michigan, in business for about 72 years. At the end of Q2 2026 it reported $240.2M in total assets and $211.5M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Michigan One Community Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 112th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is capital cushion (52/100; 10.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.18%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity77/100
Loans ÷ shares: 83.5% · 5.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.95%

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 2 points (66 → 68), mostly because the earnings component improved by 10 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202461
Q1 202563
Q2 202566
Q3 202566
Q4 202565
Q1 202670
Q2 202668
Net worth ratio
7.00%8.59%10.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.17%
Q3 20249.39%
Q4 20249.43%
Q1 20259.31%
Q2 20259.80%
Q3 202510.01%
Q4 20259.97%
Q1 20269.93%
Q2 202610.18%
Delinquent loans (60+ days)
0.22%0.58%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.76%
Q3 20240.76%
Q4 20240.94%
Q1 20250.33%
Q2 20250.50%
Q3 20250.59%
Q4 20250.74%
Q1 20260.22%
Q2 20260.68%
Return on assets
0.40%0.74%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.96%
Q3 20240.99%
Q4 20240.91%
Q1 20250.40%
Q2 20250.82%
Q3 20250.91%
Q4 20250.87%
Q1 20260.77%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$240.2M10.18%0.68%1.07%83.5%
Q1 202670$237.9M9.93%0.22%0.77%82.5%
Q4 202565$232.4M9.97%0.74%0.87%84.2%
Q3 202566$226.7M10.01%0.59%0.91%87.0%
Q2 202566$225.3M9.80%0.50%0.82%88.4%
Q1 202563$229.4M9.31%0.33%0.40%83.1%
Q4 202461$224.2M9.43%0.94%0.91%85.3%
Q3 202464$221.3M9.39%0.76%0.99%87.3%
Q2 202463$220.3M9.17%0.76%0.96%86.1%

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 ratio10.18%
31st
Problem loans0.68%
50th
Net charge-offs0.10%
85th
Return on assets1.07%
71st
Loans to deposits83.5%
32nd
Uninsured deposits5.5%
54th
Loan-loss reserves0.00%
50th
Texas ratio5.0%
40th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Chief Financial Federal Credit UnionCredit union Rochester Hills, MI65 out of 100, Moderate$249.7M9.9%0.57%vs
Community West Credit UnionCredit union Kentwood, MI66 out of 100, Moderate$252.4M9.3%0.37%vs
Michigan Legacy Credit UnionCredit union Wyandotte, MI75 out of 100, Strong$226.8M12.4%0.46%vs
Isabella Community Credit UnionCredit union MT Pleasant, MI69 out of 100, Moderate$222.2M10.1%1.14%vs
Gerber Federal Credit UnionCredit union Fremont, MI67 out of 100, Moderate$259.5M10.2%0.89%vs
Filer Credit UnionCredit union Manistee, MI78 out of 100, Strong$262.4M12.8%0.84%vs

Deposit insurance

Is my money safe at Michigan One Community Credit Union?

Yes. Michigan One Community Credit Union is a federally insured credit union (NCUA charter #62169). 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 5.5% of shares and deposits ($11.5M) 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 10.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Michigan One Community Credit Union lists 3 offices in 3 cities. Most locations:

  • Alma, MI (1)
  • Greenville, MI (1)
  • Ionia, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Michigan One Community Credit Union reported 101 home-loan applications under HMDA (LEI 549300PV90PV65OLDL82): 87 originated ($10,425,000 total), 10 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, 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
Michigan One Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62169
RSSD ID
201393
Primary regulator
State + NCUA
Established
1954
Headquarters
510 S Dexter St, Ionia, MI 48846
Employees
58

Quick answers

Michigan One Community Credit Union: common questions

Is Michigan One Community Credit Union NCUA insured?

Yes. Michigan One Community Credit Union is a federally insured credit union (NCUA charter #62169). 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 Michigan One Community Credit Union's TellerScore?

68 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 Michigan One Community Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ionia

InstitutionScoreAssetsCapitalProblem loansCompare
Sidney State BankBank Sidney, MI80 out of 100, Strong$138.7M9.6%0.06%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs
United Bank of MichiganBank Grand Rapids, MI74 out of 100, Strong$1.1B10.6%0.06%vs
River Valley Credit UnionCredit union Ada, MI74 out of 100, Strong$124.0M12.1%0.63%vs
Mercantile BankBank Grand Rapids, MI73 out of 100, Strong$6.2B11.6%0.10%vs