Federal credit union · DuPont, Washington · NCUA charter #9373
America's Credit Union, a
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $706.1M
- Total assets
- 28,836
- Members
- 10.4%
- Net-worth ratio
America's Credit Union, a - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9373, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
America's Credit Union, a - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)68
- Member growth30
- Liquidity (loan-to-share)70
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.39% | 30% |
| Delinquency Rate | 0.50% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -2.53% | 15% |
| Loan-to-Share Ratio | 99.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About America's Credit Union, a
Charter #9373, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's America's Credit Union, a, a federal credit union in DuPont, Washington with 28,836 members, $706.1M in total assets, and $554.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 80/100 (Excellent), helped by a net worth ratio of 10.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.50% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 99.92% 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 0.18% on net income of $1.3M 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 -2.53%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match 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 America's Credit Union, a financially healthy?
A 10.39% net worth ratio and a 0.50% delinquency rate feed into America's Credit Union, a's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does America's Credit Union, a compare to other credit unions?
80/100 is America's Credit Union, a's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like America's Credit Union, a 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. America's Credit Union, a's net worth ratio of 10.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does America's Credit Union, a offer compared to banks?
Credit unions like America's Credit Union, a 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 America's Credit Union, a 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.