Federal credit union · Mechanicsburg, Pennsylvania · NCUA charter #20041
AMERICHOICE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $233.2M
- Total assets
- 15,781
- Members
- 12.2%
- Net-worth ratio
AMERICHOICE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $233.2M; members 15,781; net-worth ratio 12.15%; health rank #1,650 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,650 of 4,374 health · 2025Q4AMERICHOICE · health 87/100 · $233.2M · 2025Q4
Call Report peers
AMERICHOICE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AMERICHOICE vs every NCUA-scored credit union
AMERICHOICE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for AMERICHOICE
- Loan-to-Share Ratio leads the peer set - 73.35% here, 72.20% peer average (+1.15 pp).
- Delinquency Rate trails the peer set - 1.22% here, 0.89% peer average (+0.32 pp).
Pennsylvania standing for AMERICHOICE
- In Pennsylvania, health place is #80 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #45 of 275.
- Member book place in Pennsylvania: #45 of 275.
- One place up in Pennsylvania, Franklin Regional Schools (#79) ties at 87/100; one place down, Usne Penitentiary Employees (#81) ties at 87/100.
AMERICHOICE: 2025Q4 → 2026Q1
AMERICHOICE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $233.2M (2025Q4) to $240.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.31% → 12.15%).
12.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
AMERICHOICE gives up 13 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 15.1 pts
AMERICHOICE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.15% | +0.04 pp |
| Delinquency Rate | 1.22% | +0.32 pp |
| Return on Assets | 1.13% | +0.50 pp |
| Member Growth | -0.28% | - |
| Loan-to-Share Ratio | 73.35% | +1.15 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $240.4M | - |
| 2025Q4 | $233.2M | 15,781 |
| 2024Q4 | $222.7M | 15,826 |
| 2023Q4 | $227.4M | 15,786 |
Credit Union Details
- Charter Number
- 20041
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Mechanicsburg
- Data Quarter
- 2025Q4
Branch Locations (5)
AMERICHOICE operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bumble Bee Hollow Road (Main Office) | Mechanicsburg, PA |
| Highland Park | Camp Hill, PA |
| East Pennsboro | Enola, PA |
| Sporting Green | Mechanicsburg, PA |
| Leader Heights | York, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for AMERICHOICE
Similar total assets
Similar health score
Using this data
- AMERICHOICE ranks #1,650 of 4,374 nationally on financial health and #80 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Cumberland is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Cumberland
Frequently Asked Questions
Is AMERICHOICE financially healthy?
AMERICHOICE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,650 of 4,374 nationally on health and #80 of 275 in Pennsylvania. Its net worth ratio is 12.15% and its delinquency rate 1.22%.
How does AMERICHOICE compare to other credit unions?
AMERICHOICE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.35% vs 72.20%). Its widest shortfall is delinquency rate (1.22% vs 0.89%).
How can I join AMERICHOICE?
AMERICHOICE 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 AMERICHOICE directly for the exact boundaries and application steps.
Is my money safe at AMERICHOICE?
AMERICHOICE 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. AMERICHOICE's net worth ratio of 12.15% 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.