Ionia, Michigan · Peer group 5
Michigan One Community Credit Union
Michigan One Community Credit Union holds $237.9M in assets across 18,877 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1954. Charter number 62169, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $237.9M |
|---|---|
| Total loans | $172.4M |
| Total shares (deposits) | $209.1M |
| Net worth | $23.6M |
| Members | 18,877 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.7% | |
|---|---|---|
| Loans | 2.4% | around the 48th percentile of its peer group |
| Deposits | 3.2% | around the 51st percentile of its peer group |
| Members | 0.5% | around the 59th 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 | 82.5% | around the 74th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.9% | around the 27th percentile of its peer group |
| Return on assets | 0.77% | around the 55th percentile of its peer group |
| Delinquency ratio | 0.22% | around the 15th percentile of its peer group |
| Cash / assets | 12.7% | around the 67th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Michigan One Community 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.
- Michigan Legacy Credit Union
Wyandotte, MI
$223.6M · 18,249 members
- Isabella Community Credit Union
MT Pleasant, MI
$222.6M · 13,540 members
- Community West Credit Union
Kentwood, MI
$255.4M · 17,796 members
- Chief Financial Credit Union
Rochester Hills, MI
$255.5M · 20,984 members
- Gerber Credit Union
Fremont, MI
$257.8M · 16,105 members
- Filer Credit Union
Manistee, MI
$258.5M · 13,252 members
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