TellerScore

Team One Credit Union is a federally insured state-chartered credit union headquartered in Saginaw, Michigan, in business for about 91 years. At the end of Q2 2026 it reported $765.9M in total assets and $680.5M in member shares and deposits, with 9 offices.

Based on its Q2 2026 filing, Team One Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 127th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (49/100; 9.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.88%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity85/100
Loans ÷ shares: 75.5% · 7.8% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.90%

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 (61 → 66), mostly because the earnings component improved by 17 points.

TellerScore
586266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202461
Q1 202558
Q2 202561
Q3 202561
Q4 202563
Q1 202666
Q2 202666
Net worth ratio
7.00%8.44%9.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.87%
Q3 20249.06%
Q4 20249.15%
Q1 20258.95%
Q2 20259.17%
Q3 20259.48%
Q4 20259.49%
Q1 20269.69%
Q2 20269.88%
Delinquent loans (60+ days)
0.64%0.68%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.67%
Q4 20240.69%
Q1 20250.67%
Q2 20250.65%
Q3 20250.72%
Q4 20250.64%
Q1 20260.68%
Q2 20260.64%
Return on assets
0.07%0.47%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.17%
Q4 20240.38%
Q1 20250.07%
Q2 20250.35%
Q3 20250.46%
Q4 20250.51%
Q1 20260.88%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$765.9M9.88%0.64%0.78%75.5%
Q1 202666$767.4M9.69%0.68%0.88%74.5%
Q4 202563$765.3M9.49%0.64%0.51%76.5%
Q3 202561$751.8M9.48%0.72%0.46%77.5%
Q2 202561$763.9M9.17%0.65%0.35%73.7%
Q1 202558$769.4M8.95%0.67%0.07%72.1%
Q4 202461$750.7M9.15%0.69%0.38%74.5%
Q3 202459$737.8M9.06%0.67%0.17%75.0%
Q2 202459$751.8M8.87%0.67%0.21%73.2%

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 ratio9.88%
26th
Problem loans0.64%
53rd
Net charge-offs0.39%
47th
Return on assets0.78%
53rd
Loans to deposits75.5%
51st
Uninsured deposits7.8%
31st
Loan-loss reserves0.00%
50th
Texas ratio4.9%
41st

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance Catholic Credit UnionCredit union Farmington Hill, MI78 out of 100, Strong$718.5M12.4%0.36%vs
Northland Area Federal Credit UnionCredit union Alpena, MI65 out of 100, Moderate$714.4M10.3%0.88%vs
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
American 1 Credit UnionCredit union Jackson, MI65 out of 100, Moderate$661.3M15.6%2.07%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs

Deposit insurance

Is my money safe at Team One Credit Union?

Yes. Team One Credit Union is a federally insured credit union (NCUA charter #62141). 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 7.8% of shares and deposits ($52.8M) 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 9.88%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Team One Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Team One Credit Union reported 170 home-loan applications under HMDA (LEI 549300BYPXU2L51NW896): 108 originated ($14,130,000 total), 12 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, 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
Team One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62141
RSSD ID
198390
Primary regulator
State + NCUA
Established
1935
Headquarters
520 Hayden St, Saginaw, MI 48606
Employees
152

Quick answers

Team One Credit Union: common questions

Is Team One Credit Union NCUA insured?

Yes. Team One Credit Union is a federally insured credit union (NCUA charter #62141). 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 Team One Credit Union's TellerScore?

66 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 Team One Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saginaw

InstitutionScoreAssetsCapitalProblem loansCompare
Health Advantage Federal Credit UnionCredit union Saginaw, MI82 out of 100, Strong$179.3M13.4%0.33%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
1st State BankBank Saginaw, MI76 out of 100, Strong$490.1M12.3%0.35%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs