Credit Union One Credit Union
Total assets
$1.82B
▲ +3.7% YoY
Shares & deposits
$1.61B
▲ +2.4% YoY
Loans
$1.29B
▲ +11.4% YoY
Members
108,063
▼ -1.3% YoY
ROA (annualized)
1.18%
peers 0.71%
ROE (annualized)
10.76%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.1% | -1.4 pts |
| Share growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Loan growth (YoY) | +11.4% | +5.4% | +6.0 pts |
| ROA | 1.18% | 0.71% | +0.5 pts |
| ROE | 10.8% | 6.3% | +4.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 400 E. Nine Mile Road, Ferndale, MI, 48220
- NCUA charter #
- 62562
- RSSD ID
- 443193
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.82B | $1.61B | $1.29B | $199.3M | $5.4M | 1.18% | 4.30% | 0.40% | 108,063 |
| Q4 2025 | $1.76B | $1.56B | $1.27B | $193.9M | $19.0M | 1.08% | 4.27% | 0.49% | 108,498 |
| Q3 2025 | $1.73B | $1.53B | $1.24B | $189.9M | $13.4M | 1.03% | 4.26% | 0.49% | 108,401 |
| Q2 2025 | $1.75B | $1.57B | $1.19B | $185.1M | $8.7M | 0.99% | 4.11% | 0.49% | 108,676 |
| Q1 2025 | $1.75B | $1.57B | $1.15B | $180.4M | $4.0M | 0.92% | 3.97% | 0.42% | 109,463 |
| Q4 2024 | $1.72B | $1.54B | $1.17B | $176.4M | $15.0M | 0.88% | 3.95% | 0.53% | 110,098 |
| Q3 2024 | $1.70B | $1.53B | $1.19B | $175.3M | $12.2M | 0.96% | 3.95% | 0.47% | 111,230 |
| Q2 2024 | $1.73B | $1.57B | $1.20B | $170.7M | $7.6M | 0.88% | 3.81% | 0.44% | 112,151 |
Loan mix (Q1 2026): real estate $744.5M · commercial $158.2M · consumer $348.4M · securities $247.1M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.71% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 6.3% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.32% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 73.0% | 46th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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