# AMERICAN 1
JACKSON, MI · NCUA charter 65595 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/american-1-65595

Who the members are: state charter, organized 1980, low-income designated. 67,556 members of 811,293 potential (8.3% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 81.

**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 | $666.9M |
| Members | 67,556 (1.5% YoY) |
| Full-time staff | 261 |
| Net worth | $101.9M |
| Net worth ratio | 15.3% (p94 of band) |
| ROA (annualized) | 0.33% (p24 of band) |
| Total delinquency | 2.14% (p98 of band) |
| Net charge-offs (annualized) | 2.65% (p99 of band) |
| Loans / shares | 84% (p55 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.38% (p99 of band) |
| Operating expense / assets | 6.22% (p100 of band) |
| Vehicles % of loans | 61% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 2.06% (p95 of band) |
| Vehicle NCO | 2.62% (p92 of band) |
| Repossessed % of vehicle book | 0.04% (p50 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 23% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 16% |
| Average share balance | $3,730 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $8,430 |
| Loans granted, annualized | $147.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | auto monoline |  |
| 2017-06 | 3 |  | auto monoline |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | loans>95% of shares |  |
| 2018-12 | 3 |  | loans>95% of shares |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 5 | auto monoline |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | margin squeeze |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | assets shrinking |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | net worth falling, losing money | assets shrinking |
| 2025-06 | 5 | assets shrinking | net worth falling, losing money |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | assets shrinking |
| 2026-03 | 5 | net worth falling |  |

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

- 2026-06-24 [A1CU Community Fair Brings Free Family Fun to American 1 Event Center on June 25 - JTV Jackson](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTDlrWE5QNFdJYzZhM1V6RW5JUi1kNHpEbmdQTXY2UUJxTDNSQVJla2xja1ZFOUJzVF9mTFE4TFZHdGdDYmZsandFUDRvSHVPcmFfNEU1M2NKeGphQUs2bThxdjVsWkhLWEdURmlvaWg1X3pqU041Y2FJN0llcUk5OTJEQW8wMzAtZTdRNHN6b01WUEZIRXdUZmV6T04?oc=5) · JTV Jackson
- 2025-10-28 [American 1 Credit Union hires Megan Layne as Eastern Regional Manager - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxNQ1RackZwdk1vZDh1T21ITFR0eHZPNlZlYkpuRktLYkpqaGdWelZTTVlWMjdWUEJJR1NreWw0NU4xYnNiUTBlWjRJb2hSdTJ0YVQ2RExHekNlSmJBamVLNGk2N1ZyUkhvVmpVQTdZdXpiVF9HZTBfWWFIdmo2ZXBlc1lvYkY2dkR0ZnYzcWowcVRtZ015MERPR240RWhSNUFSQzR4TjM4bDB6Q3ZXNW04?oc=5) · CUInsight
- 2026-06-23 [American 1 Credit Union brings financial fun to Jackson with Community Fair - WILX](https://news.google.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?oc=5) · WILX
- 2026-06-24 [American 1 Credit Union Community Fair Happening Thursday Evening - WKHM](https://news.google.com/rss/articles/CBMinwFBVV95cUxQenA0a2ZHNXdNUnh3SnRma3o3eHVxOXFQcEJ5M1ZEUF94TkloU25TSHNfejgxVUdNMVA1WkRMVFo0YWdBTmdSTlFnQXJQMHVyeEp3bFVWTC1saDl1bjh5SEVLRUwyZS0tN2lhZ3hPdjRoUFBhRTF3RmQ0dUNyYUxPb2tsakNGU01UQUI0aHMyRElmUnRyYkhocEhneG1ydlE?oc=5) · WKHM
- 2026-05-12 [American 1 Spring Car Sale Shifts Into High Gear with Low Rates and Big Inventory - WILX](https://news.google.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?oc=5) · WILX
- 2026-07-13 [American 1 Credit Union appoints board leadership, awards education grants - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2026-06-17 [Tommy Harris & Erin Supinsky, American 1 Credit Union - JTV Jackson](https://news.google.com/rss/articles/CBMid0FVX3lxTE5sU2Uta1ZUNFppbGY5UUNFenBZR3FNVHVUUXdZMjdxUUdfS2VJVFlWWEE2ajgxQTFCZGdhaFJHVWkxOGxYNnJPQldxeTg0Q0xDay1MUG1rMU5PVXY3YzBna3hseEEwSkxRUi1sSFEwbkVGdlZESVJr?oc=5) · JTV Jackson
- 2026-06-26 [American 1 Credit Union Community Fair, 6-25-26 | Photo Gallery - JTV Jackson](https://news.google.com/rss/articles/CBMiggFBVV95cUxPRWgxaTBiTTFVbDlYRWhnR21vbnJOUkVNX25jWmVXMmNzdmtoTGp3X3dsYUg0c1ZLbi1Yb0IwOHR6c2FGS3hjVEY4RE9uMEhwakJLRTY0Y0ZPbGxTdnpTTWgzd0twTW9iUzIzOHFTRUdCWnVwekJadkMteDIzTU5zM3pR?oc=5) · JTV Jackson

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65595 (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/59.json (key "65595", 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=65595
- 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