Federal credit union · ERIE, Pennsylvania · NCUA charter #12752
AMERICO
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $88.3M
- Total assets
- 7,392
- Members
- 12.4%
- Net-worth ratio
AMERICO scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $88.3M; members 7,392; net-worth ratio 12.39%; health rank #2,592 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,592 of 4,374 health · 2025Q4AMERICO · health 81/100 · $88.3M · 2025Q4
Call Report peers
AMERICO in the assets neighbourhood
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AMERICO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AMERICO sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where AMERICO diverges from peer averages
- Delinquency Rate leads the peer set - 0.84% here, 0.96% peer average (-0.12 pp).
- Loan-to-Share Ratio trails the peer set - 38.31% here, 62.60% peer average (-24.29 pp).
Pennsylvania standing for AMERICO
- Pennsylvania health ordinal: #143 of 275.
- By total assets, AMERICO is #91 of 275 in Pennsylvania.
- Membership ranks #86 of 275 among Pennsylvania CUs with a reported count (7,392 members).
- One place up in Pennsylvania, Community Connect (#142) ties at 81/100; one place down, ACCESS (#144) ties at 81/100.
AMERICO: 2025Q4 → 2026Q1
AMERICO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $88.3M (2025Q4) to $91.2M (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.50% → 12.39%).
12.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
AMERICO gives up 19 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.39% | -1.23 pp |
| Delinquency Rate | 0.84% | -0.12 pp |
| Return on Assets | 0.51% | -0.15 pp |
| Member Growth | -2.25% | - |
| Loan-to-Share Ratio | 38.31% | -24.29 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
AMERICO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $91.2M | - |
| 2025Q4 | $88.3M | 7,392 |
| 2024Q4 | $90.1M | 7,562 |
| 2023Q4 | $88.4M | 7,859 |
Credit Union Details
- Charter Number
- 12752
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- ERIE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, AMERICO runs 2 offices.
| Office | City |
|---|---|
| Main-000 (Main Office) | Erie, PA |
| Branch-001 | Erie, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- AMERICO ranks #2,592 of 4,374 nationally on financial health and #143 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Freedom United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Freedom United
Frequently Asked Questions
Is AMERICO financially healthy?
AMERICO has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,592 of 4,374 nationally on health and #143 of 275 in Pennsylvania. Its net worth ratio is 12.39% and its delinquency rate 0.84%.
How does AMERICO compare to other credit unions?
AMERICO scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.84% vs 0.96%). Its widest shortfall is loan-to-share ratio (38.31% vs 62.60%).
How can I join AMERICO?
AMERICO 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 AMERICO directly for the exact boundaries and application steps.
Is my money safe at AMERICO?
AMERICO 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. AMERICO's net worth ratio of 12.39% 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.