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
- RANK 87/100
- PHOTO 12.2%
- BOOK 1.22%
- CHARTER 1.13%
- NCUSIF $233.2M
- CAMELS 15,781
- HEALTH #1,650/4,374
- NW Financial Plus
- DELQ 20041
Call Report peers
AMERICHOICE in the assets neighbourhood
AMERICHOICE's $233.2M assets sit next to Financial Plus ($233.3M) 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.
AMERICHOICE 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
87 Top 40% higher than 60% 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
AMERICHOICE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20041, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AMERICHOICE: 2025Q4 → 2026Q1
AMERICHOICE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $233.2M (2025Q4) to $240.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.31% → 12.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for AMERICHOICE, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($233.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 AMERICHOICE financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - AMERICHOICE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,650 of 4,374; by total assets it ranks #1,187 of 4,374 nationally (same basis as /rankings/largest); and #45 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.15% net worth ratio and 1.22% delinquency rate are the key drivers.
How does AMERICHOICE compare to other credit unions?
AMERICHOICE scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like AMERICHOICE 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. AMERICHOICE's net worth ratio of 12.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AMERICHOICE offer compared to banks?
Credit unions like AMERICHOICE 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 AMERICHOICE 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.