Charter 62562 · Ferndale, MI
Credit Union One
Credit Union One is a state-chartered credit union in Ferndale, Michigan, with $1.81 billion in assets and 107,597 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.63%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.81 billion
- +3.5% in a year
- Members
- 107,597
- -1.0% in a year
- Net worth ratio
- 11.63%
- Peer median 10.79%
- Loans 60+ days late
- 0.42%
- Peer median 0.67%
- Loans outstanding
- $1.32 billion
- +11.1% in a year
- Shares and deposits
- $1.60 billion
- +2.3% in a year
- Branches
- 17
- 369 employees
- Opened
- 1938
- Michigan charter
How Credit Union One compares
NCUA groups credit unions by size; Credit Union One is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.63% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.42%, is lower than the group median of 0.67%. Loans grew 11.1% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 15 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.81 billion | 107,597 | $1.32 billion | 11.63% | 0.42% |
| Q1 2026 | $1.82 billion | 108,063 | $1.29 billion | 11.41% | 0.40% |
| Q4 2025 | $1.76 billion | 108,498 | $1.27 billion | 11.09% | 0.49% |
| Q3 2025 | $1.73 billion | 108,401 | $1.24 billion | 10.96% | 0.49% |
| Q2 2025 | $1.75 billion | 108,676 | $1.19 billion | 10.69% | 0.49% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 8.1 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 17 sites for Credit Union One. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- CUO-Ferndale (main office)
400 E 9 Mile Rd, Ferndale, MI 48220 - CUO-Berkley
28845 Woodward Ave, Berkley, MI 48072 - CUO-Farmington
31716 Grand River Ave, Farmington, MI 48336 - CUO-Macomb
16255 Hall Rd, Macomb, MI 48044 - CUO-GR
1609 Walker Ave Nw, Grand Rapids, MI 49504 - CUO-Shelby Twp.
55600 Van Dyke Ave, Shelby Township, MI 48316 - CUO-Southwest
5859 W Vernor Hwy, Detroit, MI 48209 - CUO-Sterling Hts.
9000 15 Mile Rd, Sterling Heights, MI 48312 - CUO-TC
1407 S Division St, Traverse City, MI 49684 - CUO-Troy
6010 Rochester Rd, Troy, MI 48085 - CUO-Waterford
5129 Highland Rd, Waterford, MI 48327 - CUO-Westland
29450 Warren Rd, Westland, MI 48185 - CUO-West Bloomfield
6515 W Maple Rd, West Bloomfield, MI 48322 - CUO-St. Clair Shores
28201 Harper Ave, Saint Clair Shores, MI 48081 - CUO-Ann Arbor
2400 Green Rd, Ann Arbor, MI 48105 - CUO-Davison
625 S State Rd, Davison, MI 48423 - CUO-Southgate
12820 Fort St, Southgate, MI 48195
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology