Federal credit union · Reidsville, North Carolina · NCUA charter #22119
American Partners
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $107.8M
- Total assets
- 11,248
- Members
- 8.8%
- Net-worth ratio
American Partners - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #22119: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
American Partners - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)69
- Earnings (ROA)79
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.82% | 30% |
| Delinquency Rate | 1.38% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | 22.97% | 15% |
| Loan-to-Share Ratio | 89.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $107.8M | 11,248 |
| 2024Q4 | $100.1M | 9,147 |
| 2023Q4 | $91.2M | 8,956 |
Credit Union Details
- Charter Number
- 22119
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- Reidsville
- Data Quarter
- 2025Q4
What This Data Says About American Partners
American Partners is a federal credit union headquartered in Reidsville, North Carolina, serving 11,248 members with $107.8M in total assets and $82.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 8.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #22119 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.38% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 89.10% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.29% on net income of $318K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 22.97%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is American Partners financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, American Partners carries a financial health score of 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.82% net worth ratio and a 1.38% delinquency rate.
How does American Partners compare to other credit unions?
PlainCU's health composite puts American Partners at 86/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join American Partners?
American Partners serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact American Partners directly for the current list of qualifying groups.
Is my money safe at American Partners?
Federal credit unions like American Partners are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. American Partners's net worth ratio of 8.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American Partners offer compared to banks?
Credit unions like American Partners are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact American Partners directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.