AMERICAN 1

Charter #65595 | MI

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MI

AMERICAN 1 has 7 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 21.0% in tier
  • + Organic Growth Engine: Top 27.4% in tier
  • + Net Interest Margin 2.00% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Total Members: Top 2.4% in tier
  • + Net Worth Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.7% in tier
  • - Shrinking Wallet Share: Bottom 12.2% in tier
  • - Capital Constraint: Bottom 13.8% in tier
  • - Credit Quality Pressure: Bottom 14.1% in tier
  • - Liquidity Overhang: Bottom 21.2% in tier
  • - Growth-at-Risk: Bottom 22.8% in tier
  • - ROA 0.40% below tier average
  • - Delinquency rate 1.57% above tier average
  • - Net Charge-Off Rate: Bottom 0.6% in tier
  • - Average Member Relationship (AMR): Bottom 1.8% in tier
  • - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
  • - Deposit Growth Rate: Bottom 6.5% in tier
  • - Members Per Employee (MPE): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 67,235
+1.8% YoY+0.6% QoQ
 +27.5K 39,752
-2.7% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 3.0% in tier
Assets $649.7M
-3.1% YoY-2.5% QoQ
 +$27.3M $622.4M
+0.3% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $474.8M
+1.9% YoY-1.2% QoQ
 +$38.8M $435.9M
-0.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $535.5M
-3.5% YoY-2.7% QoQ
 $-2.5M $538.0M
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 0.3%
-69.1% YoY+90.5% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Bottom 22.5% in tier
NIM 5.4%
+12.5% YoY+3.0% QoQ
 +2.0% 3.4%
+8.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 1.2% in tier
Efficiency Ratio 72.0%
+3.4% YoY-0.0% QoQ
 -6.1% 78.1%
-3.4% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 21.3% in tier
Delinquency Rate 2.4%
+9.6% YoY+7.3% QoQ
 +1.6 0.8%
-4.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 2.4% in tier
Loan To Share 88.7%
+5.6% YoY+1.6% QoQ
 +7.6% 81.0%
-1.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $15,027
-2.8% YoY-2.5% QoQ
 $-11K $26,482
+2.6% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 1.2% in tier
CD Concentration 17.9%
-7.6% YoY-3.0% QoQ
 -6.5% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 27th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#277 of 430 • Top 21.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.82%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#503 of 603 • Top 27.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.82%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.26%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (6)

Deposit Outflow

decline
#11 of 114 • Bottom 1.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.54%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $649.69M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY

Shrinking Wallet Share

decline
#122 of 244 • Bottom 12.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.83%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Capital Constraint

risk
#13 of 18 • Bottom 13.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 88.66%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -3.54%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 15.54%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 281 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Credit Quality Pressure

risk
#350 of 736 • Bottom 14.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.21% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Overhang

risk
#328 of 552 • Bottom 21.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.54%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.66%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Growth-at-Risk

risk
#342 of 446 • Bottom 22.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.90%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.21% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 1.18%
Peer Avg: 33.53%
#1 of 169 Top 0.0% in 500M-750M tier
2
Net Interest Margin (NIM)
profitability
Value: 5.43%
Peer Avg: 3.43%
#2 of 169 Top 0.6% in 500M-750M tier
5
Total Members
engagement
Value: 67,235
Peer Avg: 39,752
#5 of 169 Top 2.4% in 500M-750M tier
11
Net Worth Ratio
risk
Value: 15.54%
Peer Avg: 10.94%
#11 of 169 Top 5.9% in 500M-750M tier
20
Fee Income Per Member
profitability
Value: $293.62
Peer Avg: $199.27
#20 of 169 Top 11.2% in 500M-750M tier
23
Share Certificate Concentration (%)
balance_sheet
Value: 17.92%
Peer Avg: 26.87%
#23 of 169 Top 13.0% in 500M-750M tier
37
Efficiency Ratio
profitability
Value: 71.97%
Peer Avg: 78.10%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (9 metrics)

169
Net Charge-Off Rate
risk
Value: 2.51%
Peer Avg: 0.51%
#169 of 169 Bottom 0.6% in 500M-750M tier
167
Average Member Relationship (AMR)
engagement
Value: $15,027
Peer Avg: $26,482
#167 of 169 Bottom 1.8% in 500M-750M tier
166
Total Delinquency Rate (60+ days)
risk
Value: 2.37%
Peer Avg: 0.80%
#166 of 169 Bottom 2.4% in 500M-750M tier
161
Loan-to-Member Ratio (LMR)
engagement
Value: $7,062
Peer Avg: $11,805
#161 of 169 Bottom 5.3% in 500M-750M tier
159
Deposit Growth Rate
growth
Value: -3.54%
Peer Avg: 5.25%
#159 of 169 Bottom 6.5% in 500M-750M tier
158
Members Per Employee (MPE)
engagement
Value: 231.845
Peer Avg: 338.010
#158 of 169 Bottom 7.1% in 500M-750M tier
151
Asset Growth Rate
growth
Value: -3.07%
Peer Avg: 4.33%
#151 of 169 Bottom 11.2% in 500M-750M tier
149
AMR Growth Rate
growth
Value: -2.83%
Peer Avg: 3.12%
#149 of 169 Bottom 12.4% in 500M-750M tier
131
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Avg: 0.66%
#131 of 169 Bottom 23.1% in 500M-750M tier