State credit union · GARLAND, Texas · NCUA charter #67470
AMERICA'S
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $413.2M
- Total assets
- 31,255
- Members
- 15.3%
- Net-worth ratio
AMERICA'S scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $413.2M; members 31,255; net-worth ratio 15.27%; health rank #2,951 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,951 of 4,374 health · 2025Q4AMERICA'S · health 78/100 · $413.2M · 2025Q4
Call Report peers
AMERICA'S in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AMERICA'S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AMERICA'S sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
AMERICA'S vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.91 pp (79.11% vs 72.20%).
- Return on Assets trails the peer set - 0.34% here, 0.62% peer average (-0.28 pp).
AMERICA'S: in-state Call Report ranks
- Texas health ordinal: #262 of 386.
- Assets rank #72 of 386 inside Texas ($413.2M reported).
- Texas membership ordinal: #66 of 386.
- One place up in Texas, Alpine Community (#261) ties at 78/100; one place down, Midland Municipal Employees (#263) ties at 78/100.
Quarter path for AMERICA'S
AMERICA'S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $413.2M (2025Q4) to $422.5M (2026Q1).
- Net-worth ratio shifted +0.81 pp (14.46% → 15.27%).
15.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
AMERICA'S gives up 22 points in total. Member Growth costs the most, 13.8 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 12.7 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 14.7 pts
AMERICA'S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.27% | +3.16 pp |
| Delinquency Rate | 1.08% | +0.19 pp |
| Return on Assets | 0.34% | -0.28 pp |
| Member Growth | -4.36% | - |
| Loan-to-Share Ratio | 79.11% | +6.91 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $422.5M | - |
| 2025Q4 | $413.2M | 31,255 |
| 2024Q4 | $430.2M | 32,680 |
| 2023Q4 | $390.4M | 31,274 |
Credit Union Details
- Charter Number
- 67470
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- GARLAND
- Data Quarter
- 2025Q4
Branch Locations (8)
AMERICA'S operates 8 offices across 6 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CORPORATE OFFICE (Main Office) | GARLAND, TX |
| CENTRAL | Dallas, TX |
| Royal Branch | Dallas, TX |
| White Rock Branch | Dallas, TX |
| South Fort Worth Branch | Fort Worth, TX |
| LANCASTER | Lancaster, TX |
| Motley Branch Office | Mesquite, TX |
| SPFD BRANCH OFFICE | Springfield, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near AMERICA'S
Similar total assets
Using this data
- AMERICA'S ranks #2,951 of 4,374 nationally on financial health and #262 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st Community
Frequently Asked Questions
Is AMERICA'S financially healthy?
AMERICA'S has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,951 of 4,374 nationally on health and #262 of 386 in Texas. Its net worth ratio is 15.27% and its delinquency rate 1.08%.
How does AMERICA'S compare to other credit unions?
AMERICA'S scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.11% vs 72.20%). Its widest shortfall is return on assets (0.34% vs 0.62%).
How can I join AMERICA'S?
Membership eligibility for AMERICA'S depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AMERICA'S directly for current membership requirements and application steps.
Is my money safe at AMERICA'S?
AMERICA'S is a state-chartered 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. AMERICA'S's net worth ratio of 15.27% 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.