Credit unions · Michigan · Q2 2026
Team One CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $766M |
| Total loans & leases | $513M |
| Total shares & deposits | $680M |
| Members | 46,440 |
| Net worth | $75.6M |
| Net worth / assets | 9.88% |
| Loans / assets | 67.04% |
| Return on assets (annualized) | 0.78% |
| Loan growth (YoY) | 1.70% |
| Member growth (YoY) | −2.26% |
| Delinquency, all loans (60+ days) | 0.64% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Service (finance, health, transport, utilities) (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
Team One Credit Union implemented Scienaptic's AI credit decisioning platform for consumer loan underwriting and publicly confirmed, through its VP of Lending, that the system went live and is shaping lending decisions. No public evidence shows AI agents taking actions in systems, so the level stops at AI embedded in a business process.
- Team One Credit Union goes live with Scienaptic’s fair & compliant AI-driven credit underwriting platform - CUInsight “The AI-driven insights are enabling us to make faster, more precise lending decisions”
- Team One Credit Union Selects Scienaptic AI to Streamline Underwriting, Approve More Members, and Expand Credit Access - Michigan Credit Union League “The credit union aims to streamline its credit underwriting process by utilizing Scienaptic's fair, inclusive, and regulatory-compliant AI platform.”
- Team One Credit Union Selects Scienaptic AI to Streamline Underwriting, Approve More Members, and Expand Credit Access | Scienaptic AI “Team One Credit Union, a Michigan-based credit union with a strong commitment to innovation, has chosen to implement its AI-powered credit decisioning platform”