Charter 62141 · Saginaw, MI
Team One Credit Union
Team One Credit Union is a state-chartered credit union in Saginaw, Michigan, with $766 million in assets and 46,443 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.88%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $766 million
- +0.3% in a year
- Members
- 46,443
- -2.3% in a year
- Net worth ratio
- 9.88%
- Peer median 10.79%
- Loans 60+ days late
- 0.64%
- Peer median 0.67%
- Loans outstanding
- $513 million
- +1.7% in a year
- Shares and deposits
- $680 million
- -0.6% in a year
- Branches
- 11
- 152 employees
- Opened
- 1935
- Michigan charter
How Team One Credit Union compares
NCUA groups credit unions by size; Team One Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.88% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.64%, is about the same as the group median of 0.67%. Loans grew 1.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 35 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 | $766 million | 46,443 | $513 million | 9.88% | 0.64% |
| Q1 2026 | $767 million | 46,852 | $509 million | 9.69% | 0.68% |
| Q4 2025 | $765 million | 47,319 | $522 million | 9.49% | 0.64% |
| Q3 2025 | $752 million | 47,504 | $520 million | 9.48% | 0.72% |
| Q2 2025 | $764 million | 47,519 | $505 million | 9.17% | 0.65% |
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 10 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 12 sites for Team One Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- SAGINAW MAIN (main office)
520 Hayden St, Saginaw, MI 48607 - CARO
1130 Cleaver Rd, Caro, MI 48723 - BAD AXE
499 Brick St, Bad Axe, MI 48413 - SANDUSKY
625 S Sandusky Rd, Sandusky, MI 48471 - SAGINAW TOWNSHIP
4075 Mccarty Rd, Saginaw, MI 48603 - THOMAS TOWNSHIP
8450 Gratiot Rd, Saginaw, MI 48609 - BAY CITY
401 E Midland St, Bay City, MI 48706 - Traverse City
1202 Veterans Dr, Traverse City, MI 49684 - Owosso
1243 E M 21, Owosso, MI 48867 - Flint
606 Stevens St, Flint, MI 48502 - VA Hospital
1500 Weiss St, Saginaw, MI 48602 - Washington Ave
902 S Washington Ave, Saginaw, MI 48601
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