Federal credit union · DuPont, Washington · NCUA charter #9373
America's Credit Union, a
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $706.1M
- Total assets
- 28,836
- Members
- 11.1%
- Net-worth ratio
America's Credit Union, a scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $706.1M; members 28,836; net-worth ratio 11.07%; health rank #2,757 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,757 of 4,374 health · 2025Q4America's Credit Union, a · health 80/100 · $706.1M · 2025Q4
Call Report peers
America's Credit Union, a 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 Credit Union, a vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); America's Credit Union, a sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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
Peer-gap read for America's Credit Union, a
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +16.02 pp (99.92% vs 83.90%).
- Return on Assets trails the peer set - 0.18% here, 0.51% peer average (-0.33 pp).
Washington standing for America's Credit Union, a
- In Washington, health place is #51 of 75 on the same NCUA-ratio sort used nationally.
- By total assets, America's Credit Union, a is #22 of 75 in Washington.
- Membership ranks #26 of 75 among Washington CUs with a reported count (28,836 members).
- One place up in Washington, Industrial Cu of Whatcom County (#50) ties at 80/100; one place down, Mill Town (#52) scores 79/100, 1 point lower.
How America's Credit Union, a's 5300 filing moved
America's Credit Union, a: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $706.1M (2025Q4) to $698.7M (2026Q1).
- Net-worth ratio shifted +0.31 pp (10.76% → 11.07%).
11.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
America's Credit Union, a gives up 20 points in total. Member Growth costs the most, 10.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.2 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 10.4 pts
America's Credit Union, a vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.07% | -0.11 pp |
| Delinquency Rate | 0.50% | -0.38 pp |
| Return on Assets | 0.18% | -0.33 pp |
| Member Growth | -2.53% | - |
| Loan-to-Share Ratio | 99.92% | +16.02 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
America's Credit Union, a quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $698.7M | - |
| 2025Q4 | $706.1M | 28,836 |
| 2024Q4 | $696.9M | 29,585 |
| 2023Q4 | $696.4M | 33,074 |
Credit Union Details
- Charter Number
- 9373
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Washington
- City
- DuPont
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for America's Credit Union, a, spread across 10 cities.
| Office | City |
|---|---|
| Dupont (Main Office) | Dupont, WA |
| Graham Branch | Graham, WA |
| Main Office | JBLM, WA |
| Madigan Branch | JBLM, WA |
| Lacey Branch | Lacey, WA |
| Lakewood | Lakewood, WA |
| Spanaway | Spanaway, WA |
| South Tacoma | Tacoma, WA |
| Tumwater | Tumwater, WA |
| University Place | University Place, WA |
| Yelm Branch | Yelm, WA |
| Yelm Wal-Mart Instore | Yelm, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Cross-state Call Report peers for America's Credit Union, a
Using this data
- America's Credit Union, a ranks #2,757 of 4,374 nationally on financial health and #51 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TAPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TAPCO
Frequently Asked Questions
Is America's Credit Union, a financially healthy?
On its 2025Q4 NCUA 5300 filing, America's Credit Union, a scores 80/100 (Excellent), with a 11.07% net worth ratio and 0.50% of loans delinquent. It ranks #2,757 of 4,374 nationally on health and #51 of 75 in Washington.
How does America's Credit Union, a compare to other credit unions?
America's Credit Union, a scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.92% vs 83.90%). Its widest shortfall is return on assets (0.18% vs 0.51%).
How can I join America's Credit Union, a?
America's Credit Union, a operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact America's Credit Union, a directly for the exact boundaries and application steps.
Is my money safe at America's Credit Union, a?
America's Credit Union, a 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. America's Credit Union, a's net worth ratio of 11.07% 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.