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
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American Partners vs every NCUA-scored credit union
American Partners sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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).
- One place up in North Carolina, Oteen V. a. (#14) ties at 89/100; one place down, CAROLINA (#16) ties at 89/100.
Quarter path for American Partners
American Partners: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $107.8M (2025Q4) to $106.6M (2026Q1).
- Net-worth ratio shifted +0.32 pp (10.16% → 10.48%).
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
American Partners gives up 11 points in total. Delinquency Rate costs the most, 7.9 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is American Partners financially healthy?
On its 2025Q4 NCUA 5300 filing, American Partners scores 89/100 (Excellent), with a 10.48% net worth ratio and 1.38% of loans delinquent. It ranks #1,305 of 4,374 nationally on health and #15 of 57 in North Carolina.
How does American Partners compare to other credit unions?
American Partners scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.10% vs 72.20%). Its widest shortfall is net worth ratio (10.48% vs 12.11%).
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?
American Partners is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.