credit union · NCUA 60936 · MI
How big is OPTION 1?
OPTION 1 (MI, NCUA charter 60936) reported total assets of $645.9M, 42,876 members and a net worth ratio of 11.49% in its Call Report for 2026Q2. That ranks 659 of 4,299 federally insured credit unions by assets, 180 of 280 among credit unions with $500m-$1b in assets, 41 of 169 credit unions in michigan.
What stands out
OPTION 1 (MI, NCUA charter 60936) reported total assets of $645.9M, 42,876 members and a net worth ratio of 11.49% in its Call Report for 2026Q2. That ranks 659 of 4,299 federally insured credit unions by assets, 180 of 280 among credit unions with $500m-$1b in assets, 41 of 169 credit unions in michigan. Against its size class: net worth ratio 11.49%, above the peer median of 10.59%; loan-to-share ratio 80.19%, below the peer median of 83.51%; return on assets 0.37%, below the peer median of 0.75%. At 11.49% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $645.9M | $714.8M | $186.5M | $68.3M | record → |
| Shares and deposits | $564.1M | $614.6M | $160.8M | $58.3M | record → |
| Loans outstanding | $452.4M | $502.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $1.2M | $2.5M | $792.8k | $222.2k | record → |
| Net worth | $74.2M | $74.4M | $22.8M | $9.0M | record → |
| Net worth ratio | 11.49% | 10.59% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 80.19% | 83.51% | 68.71% | 68.70% | computed |
| Return on assets | 0.37% | 0.75% | 0.92% | 0.71% | computed |
| Members | 42,876 | 41,964 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $645.9M | $564.1M | $452.4M | $1.2M | 11.49% | 42,876 | 659 |
| 2026Q1 | $642.0M | $562.1M | $448.3M | $206.5k | 11.41% | 43,275 | 661 |
| 2025Q4 | $629.0M | $545.7M | $435.6M | $2.2M | 11.61% | 38,379 | 663 |
| 2025Q3 | $627.6M | $542.5M | $425.8M | $1.3M | 11.52% | 43,596 | 659 |
| 2025Q2 | $641.5M | $558.1M | $418.8M | $-696.5k | 12.00% | 43,951 | 645 |
| 2025Q1 | $646.4M | $564.0M | $415.0M | $-851.0k | 11.89% | 44,386 | 643 |
| 2024Q4 | $447.7M | $381.8M | $302.5M | $2.0M | 14.21% | 30,660 | 787 |
| 2024Q3 | $436.1M | $371.2M | $295.6M | $1.3M | 14.47% | 30,787 | 798 |
| 2024Q2 | $443.4M | $377.7M | $293.6M | $868.3k | 14.13% | 30,998 | 790 |
| 2024Q1 | $448.1M | $384.3M | $290.9M | $215.4k | 13.83% | 31,419 | 784 |
| 2023Q4 | $434.9M | $371.7M | $297.4M | $2.7M | 14.20% | 31,594 | 794 |
| 2023Q3 | $425.0M | $366.5M | $299.5M | $2.3M | 14.46% | 31,866 | 805 |
| 2023Q2 | $434.5M | $375.3M | $299.0M | $1.5M | 13.97% | 32,178 | 785 |
| 2023Q1 | $440.6M | $382.8M | $306.5M | $336.0k | 13.51% | 32,568 | 785 |
| 2022Q4 | $437.1M | $379.0M | $313.3M | $2.6M | 13.55% | 32,938 | 780 |
| 2022Q3 | $439.3M | $383.3M | $311.9M | $1.9M | 13.32% | 33,249 | 774 |
| 2022Q2 | $448.0M | $391.2M | $308.6M | $1.1M | 12.88% | 30,417 | 760 |
| 2022Q1 | $449.4M | $392.9M | $300.8M | $661.4k | 12.74% | 30,625 | 760 |
| 2021Q4 | $438.8M | $381.2M | $298.1M | $3.1M | 12.90% | 30,679 | 758 |
| 2021Q3 | $439.1M | $374.1M | $296.1M | $1.9M | 12.61% | 30,817 | 751 |
| 2021Q2 | $441.2M | $374.6M | $290.2M | $1.3M | 12.42% | 30,820 | 738 |
| 2021Q1 | $448.0M | $377.9M | $285.7M | $690.6k | 12.09% | 30,805 | 727 |
| 2020Q4 | $415.9M | $347.2M | $286.0M | $3.4M | 12.86% | 30,603 | 736 |
| 2020Q3 | $397.4M | $331.0M | $291.0M | $2.0M | 13.10% | 30,626 | 742 |
| 2020Q2 | $401.7M | $335.6M | $284.9M | $818.5k | 12.67% | 30,350 | 733 |
| 2020Q1 | $370.0M | $301.1M | $285.5M | $289.2k | 13.61% | 30,341 | 734 |
| 2019Q4 | $356.7M | $289.1M | $288.4M | $2.8M | 14.04% | 30,261 | 738 |
| 2019Q3 | $361.5M | $293.1M | $288.1M | $1.6M | 13.51% | 30,160 | 725 |
| 2019Q2 | $372.8M | $303.3M | $289.3M | $856.0k | 12.91% | 30,321 | 713 |
| 2019Q1 | $377.5M | $304.2M | $294.0M | $384.6k | 12.62% | 30,653 | 706 |
| 2018Q4 | $372.7M | $297.5M | $302.4M | $1.0M | 12.71% | 30,891 | 693 |
| 2018Q3 | $374.1M | $292.7M | $308.7M | $467.4k | 12.51% | 30,877 | 692 |
| 2018Q2 | $388.7M | $309.1M | $306.1M | $459.3k | 12.04% | 30,813 | 669 |
| 2018Q1 | $392.7M | $312.9M | $306.0M | $309.9k | 11.88% | 30,844 | 663 |
| 2017Q4 | $385.7M | $302.5M | $309.8M | $-219.2k | 12.01% | 30,803 | 659 |
| 2017Q3 | $382.7M | $303.6M | $309.9M | $-14.1k | 12.16% | 32,890 | 658 |
| 2017Q2 | $364.9M | $286.9M | $299.1M | $-51.0k | 12.74% | 32,231 | 673 |
| 2017Q1 | $363.2M | $287.7M | $285.0M | $-183.4k | 12.76% | 31,569 | 673 |
| 2016Q4 | $346.3M | $270.8M | $279.1M | $401.6k | 13.44% | 31,153 | 682 |
| 2016Q3 | $333.5M | $262.3M | $267.1M | $848.9k | 14.09% | 30,564 | 696 |
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