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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,757 of 4,374 health · 2025Q4America's Credit Union, a · health 80/100 · $706.1M · 2025Q4
- HEALTH 80/100
- NW 11.1%
- DELQ 0.50%
- ROA 0.18%
- ASSETS $706.1M
- MEM 28,836
- RANK #2,757/4,374
- PHOTO Spero Financial
- BOOK 9373
Call Report peers
America's Credit Union, a in the assets neighbourhood
America's Credit Union, a's $706.1M assets sit next to Spero Financial ($707.0M) 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.
America's Credit Union, a 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
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
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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How America's Credit Union, a's 5300 filing moved
America's Credit Union, a: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $706.1M (2025Q4) to $698.7M (2026Q1).
- Net-worth ratio shifted +0.31 pp (10.76% → 11.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
America's Credit Union, a's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($706.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 America's Credit Union, a financially healthy?
A 11.07% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,757 of 4,374; by total assets it ranks #614 of 4,374 nationally (same basis as /rankings/largest); and #22 of 75 within Washington. 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 11.07% 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.
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.