Federal credit union · Reidsville, North Carolina · NCUA charter #22119
American Partners
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $107.8M
- Total assets
- 11,248
- Members
- 10.5%
- Net-worth ratio
American Partners scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $107.8M; members 11,248; net-worth ratio 10.48%; health rank #1,305 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,305 of 4,374 health · 2025Q4American Partners · health 89/100 · $107.8M · 2025Q4
- CAMELS 89/100
- HEALTH 10.5%
- NW 1.38%
- DELQ 0.29%
- ROA $107.8M
- ASSETS 11,248
- MEM #1,305/4,374
- RANK KATAHDIN
- PHOTO 22119
American Partners in the assets neighbourhood
American Partners's $107.8M assets sit next to KATAHDIN ($107.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American Partners vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where American Partners diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.10% vs peer 72.20% (+16.90 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.63 pp (10.48% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
American Partners in North Carolina
- In North Carolina, health place is #15 of 57 on the same NCUA-ratio sort used nationally.
- By total assets, American Partners is #25 of 57 in North Carolina.
- Membership ranks #22 of 57 among North Carolina CUs with a reported count (11,248 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for American Partners
American Partners: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $107.8M (2025Q4) to $106.6M (2026Q1).
- Net-worth ratio shifted +0.32 pp (10.16% → 10.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 11.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for American Partners
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.48% | -1.63 pp |
| Delinquency Rate | 1.38% | +0.49 pp |
| Return on Assets | 0.29% | -0.33 pp |
| Member Growth | 22.97% | - |
| Loan-to-Share Ratio | 89.10% | +16.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - American Partners
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $106.6M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for American Partners, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Reidsville, NC |
| Branch | Greensboro, NC |
| Branch Rk Mt | Rocky Mount, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Cross-state Call Report peers for American Partners
Cross-state asset and health neighbours for American Partners - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($107.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- American Partners ranks #1,305 of 4,374 nationally on financial health and #15 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Weyco Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Weyco Community
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,305 of 4,374; by total assets it ranks #1,763 of 4,374 nationally (same basis as /rankings/largest); and #25 of 57 within North Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.48% 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 89/100, 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 10.48% 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.
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.