CREDIT UNION ONE
State-Chartered • Ferndale, Michigan • Est. 1938
Quick Facts
- Charter Number
- #62562
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Ferndale, Michigan 48220-1774
- Address
- 400 E. Nine Mile Road
- Branches
- 17
- ATMs
- 18
- Members
- 108,498
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
108,498 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CREDIT UNION ONE |
|---|---|
| Total Assets | $1.8B |
| Members | 108,498 |
| Loans Outstanding | $1.3B |
| Shares & Deposits | $1.6B |
| Net Worth | $193.9M |
| Net Worth Ratio | 11.09% |
| Loan-to-Share Ratio | 81.4% |
| Delinquency Rate | 0.49% |
| Net Income | +$25,132,741 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
17 locations · 18 ATMs
CUO-Ferndale
Main Office400 E 9 Mile Rd
Ferndale, MI 48220
CUO-Berkley
28845 Woodward Ave
Berkley, MI 48072-0915
CUO-Farmington
31716 Grand River Ave
Farmington, MI 48336-4236
CUO-Macomb
16255 Hall Rd
Macomb, MI 48044-4084
CUO-GR
1609 Walker Ave NW
Grand Rapids, MI 49504-2640
Who Can Join CREDIT UNION ONE?
Membership Type: Community
Membership eligibility for CREDIT UNION ONE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CREDIT UNION ONE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Browse all federally insured credit unions in Michigan, ranked by assets, members, and financial health score.
View Michigan RankingsFrequently Asked Questions
Yes. CREDIT UNION ONE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CREDIT UNION ONE has 108,498 members and a potential membership field of 8,129,465 people.
CREDIT UNION ONE's net worth ratio is 11.09% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.1%, CREDIT UNION ONE meets this threshold.
CREDIT UNION ONE operates 17 branch locations and has access to 18 ATMs. The main office is located at 400 E 9 Mile Rd, Ferndale, MI 48220.
CREDIT UNION ONE was established in 1938. It is a state-chartered credit union chartered under charter number 62562. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CREDIT UNION ONE. All financial data is for informational purposes only.