# ONE DETROIT
Detroit, MI · NCUA charter 61495 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/one-detroit-61495

Who the members are: state charter, organized 1935, low-income designated, minority depository institution. 12,460 members of 1,000,000 potential (1.3% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $65.0M |
| Members | 12,460 (2.2% YoY) |
| Full-time staff | 45 |
| Net worth | $14.1M |
| Net worth ratio | 21.7% (p94 of band) |
| ROA (annualized) | -1.46% (p2 of band) |
| Total delinquency | 1.94% (p93 of band) |
| Net charge-offs (annualized) | 3.73% (p100 of band) |
| Loans / shares | 73% (p73 of band) |
| Cash / assets | 17.0% |
| Borrowings / assets | 1.42% |
| Net interest margin | 6.19% (p99 of band) |
| Operating expense / assets | 13.30% (p100 of band) |
| Vehicles % of loans | 17% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 2.75% (p94 of band) |
| Vehicle NCO | 9.53% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 34% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 8% |
| Average share balance | $2,036 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 55% |
| Average loan balance | $4,881 |
| Loans granted, annualized | $14.1M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (10.4% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -0.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | losing money, delinquency 2x band | net worth falling |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 3 |  |  |
| 2018-06 | 5 | losing money, delinquency rising |  |
| 2018-09 | 3 |  | losing money, delinquency rising |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 4 | net worth falling | assets shrinking |
| 2019-09 | 5 | loans>95% of shares |  |
| 2019-12 | 5 | leaning on borrowings | net worth falling |
| 2020-03 | 4 | losing money | loans>95% of shares, leaning on borrowings |
| 2020-06 | 8 | thin capital, net worth falling, margin squeeze, members leaving |  |
| 2020-09 | 7 |  | net worth falling |
| 2020-12 | 7 |  |  |
| 2021-03 | 7 | net worth falling | losing money |
| 2021-06 | 4 |  | margin squeeze, members leaving, net worth falling |
| 2021-09 | 3 |  | thin capital |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 5 | delinquency rising, members leaving |  |
| 2022-09 | 3 |  | delinquency rising, members leaving |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 5 | net worth falling, losing money |  |
| 2024-09 | 3 |  | net worth falling, losing money |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | net worth falling, losing money |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | net worth falling |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [One Detroit Credit Union brings two new CDFI branches to serve the underserved, unbanked communities - modeldmedia.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNY0JmektxV2EtWHVXZGl5RVM1eVVTdldkdWo3cGdJWDlNVzZCOWR4U2VvNk94ZzBMaVFldkltVGxuYXlQM3dvQ1JQazg2RHVCdTVobjlkM1VVbUplNlYwcW9aNF9tMHoyQkhFNXQtSVQ2aVZFUzRTVEY1OWd5NGlmNFVXcE9zU0hkdVlzSzFFUUh1cFRDMGt4VEJlQ2otSWNoT1p1cU5KcWFyMzVmeUw2VkhaMmF3ejl2OHdaTS1ZWDk1QQ?oc=5) · modeldmedia.com
- 2026-03-04 [One Detroit Credit Union expands into River Rouge, strengthening access to fair and affordable banking - CUInsight](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPamIzc2p1eDBSSjBoOGNZci1weDRwOGtDX2YtZnBGWmE4ZmYyLS1uZldsWUN5blFyemFvQzVRSVhsZ052ODZhQURvNzl0MFZoRWs2SnVCaUZKTXJ1VXAzZzFOYUprVWdvMkMtUlF5clQzZV80X1B4RDVPZXJtRDVDS0pRRUhvYWVnR091MVRoeGM2c1EtNFc4dEpZY21kWTNSd05pMDZfeEt2RkJabWU5cjQ3MFFzN2pqMkhpSFp0VkdubF92TTdJRmtjelYyWHBDMkxoeWFzSkJHUQ?oc=5) · CUInsight
- 2018-11-10 [One Detroit Credit Union lives up to its name to help in the city - Detroit Free Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxNUEN5M0Zqbm54aG9uZFhrOEhVb0NJQ2xiV0RUMWFBekVNWFhPWWpySWxWV0xieFl0d2UzbnhaTFVJTzV4SlAxbENyV2FTSmlVOFZDR05ELWNLaTdIc2xtcjQzOE5CbnZCTVBuSXBOSnkySlFjMFZadTdMeHFmTFR5dGNlcDBKLU9WY0ZoRXB2ZmdQVXFQYm9rWG5xbXhhYktHQjFxdzluN0R2OFE5bWJYTDJ3?oc=5) · Detroit Free Press
- 2025-06-12 [Rising Stars: Meet Joshua Roberson of Westide currently - Voyage Michigan Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSnFib2lVQzhLT3lrZFlzMUVxWlFGNXA4anV5a0JXV0E2Ny1MS0tSNXZ6ZWxUVDJibzlGb3U3QU5sS1l4UVJRNUh2Z1lNQXFWbm5rMk54TFNreEtQckx5b25TTXRjRW9Sd3RNdC0zSXlBQ2xxOC1qeXk4cGtGNksxTkNQZmo1VnBOYTVVZ0k2Z0FLRnd6SnVN?oc=5) · Voyage Michigan Magazine
- 2024-11-03 [Michigan launches accelerator to tap federal clean energy funds with support from clean energy lenders and Kresge - Kresge Foundation](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPUks0bHd3a3cxcFJRUW13TG9vVkZheDctU1dOSF93ZnZqWlNlenlVRWpZTEdrM1FTVEhJSnBEaG1sbEhGYmNwUjRUdXZYNEtzSFRvOU5EWE56bGlMQy1EY05HVmdYMjdGdFI4NHNwRDRVeFlOQUk1Mzh4Zm9ZN0xRVDc0cU5JWjdxTGFnVWJvRVdtMXRMc0NqU1ZhOTVKcFV5SFJRZW5yQWRQSTRoWkRoSGNBTk5PZ013eHpIMktZQ1BrZTJaUlNRYnk5UGwwZlM2TnBZYk91V3RBby1G?oc=5) · Kresge Foundation
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2021-11-10 [Detroit home repair program proves helpful—for the few who qualify - Outlier Media](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZmwxdFFzdXdHSWlpRGV2T0VScFRGOEdubU5OZllrZ2NHa3dOeEh4bjVlTVA2aVp2RXBtejRvMHVxcGpHOHR3LTJSd3l1dkhzTS1ZNmZval9YeFEwS0ZVWFk1X0VqWmluS2lMT2hKQ0IwMGFVSmFyTlUtbGJhRXpucXRKUGFyakt0ZDloVlZIWVg5M3A5ZmJF?oc=5) · Outlier Media
- 2021-03-23 [Zero-interest loans help Fitzgerald residents repair homes - modeldmedia.com](https://news.google.com/rss/articles/CBMiT0FVX3lxTE0xMVBQaEhJM2M2UDBZc2dndUxLWm94U09RQlBRU2tsZTZSemQ2U0NZTTJld2lfOE1Kd0J0b1hKRVF6aVlrVFNtaUhDMWtPdFk?oc=5) · modeldmedia.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61495 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "61495", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61495
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide