Jackson, Michigan · Peer group 6
American 1 Credit Union
American 1 Credit Union holds $666.9M in assets across 67,556 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1980. Charter number 65595, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $666.9M |
|---|---|
| Total loans | $459.5M |
| Total shares (deposits) | $550.3M |
| Net worth | $101.9M |
| Members | 67,556 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.0% | |
|---|---|---|
| Loans | -2.8% | lower than 90% of its peer group |
| Deposits | -1.4% | lower than 92% of its peer group |
| Members | 1.5% | around the 50th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 83.5% | around the 47th percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.3% | higher than 94% of its peer group |
| Return on assets | 0.33% | around the 19th percentile of its peer group |
| Delinquency ratio | 2.14% | higher than 98% of its peer group |
| Cash / assets | 24.9% | higher than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is American 1 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Omni Community Credit Union
Battle Creek, MI
$652.6M · 47,012 members
- Security Credit Union
GRAND BLANC, MI
$651.8M · 53,803 members
- Adventure Credit Union
Grand Rapids, MI
$642.0M · 43,275 members
- Alliance Catholic Credit Union
Farmington Hill, MI
$707.4M · 32,701 members
- Northland Area Credit Union
Alpena, MI
$708.4M · 46,344 members
- Embers Credit Union
Marquette, MI
$612.9M · 33,170 members
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