credit union

Team One

Saginaw, MI · Est. 1935
B
Trust Grade
Strong
Score: 89/100

Team One is a credit union based in Saginaw, Michigan, established in 1935, with $767 million in total assets serving 46,852 members. By Trust Grade it ranks 120th of 170 credit unions we track in Michigan. Its net worth ratio of 9.7% trails most similarly sized credit unions (26th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.88% return on assets. No consumer complaints against Team One appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$767.4M
$100M–1B institution
Members
46,852
Shares & deposits
—
Net worth ratio
9.7%
Bottom 26% of $100M–1B peers · Michigan median 11.7%
Return on assets
0.9%
Top 37% of $100M–1B peers · Michigan median 0.79%
Rank in Michigan
#120
of 170 credit unions

How Team One compares to Michigan peers

Net worth ratio
Bottom 26% of $100M–1B peers
Team One
9.7%
Michigan median
11.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 37% of $100M–1B peers
Team One
0.9%
Michigan median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Team One

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
89/100
Customer experience
n/a
Overall
B · 89
  • Well-capitalized (9.7% capital ratio)
  • Profitable (ROA 0.88%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Team One over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Team One insured?

Yes. Team One is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Team One: frequently asked questions

Is Team One a good credit union?

Team One earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (9.7% capital ratio); Profitable (ROA 0.88%).

Is Team One NCUA-insured?

Yes. Team One is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Team One?

Team One holds $767 million in total assets, ranking 120th of 170 credit unions we track in Michigan. It serves 46,852 members.

Does Team One have CFPB complaints?

No CFPB complaints against Team One appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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