State credit union · Rome, New York · NCUA charter #68433
AMERICU
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $2.96B
- Total assets
- 202,033
- Members
- 9.4%
- Net-worth ratio
AMERICU scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.96B; members 202,033; net-worth ratio 9.44%; health rank #2,336 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,336 of 4,374 health · 2025Q4AMERICU · health 83/100 · $2.96B · 2025Q4
Call Report peers
AMERICU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AMERICU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AMERICU sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
AMERICU vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 99.29% here, 83.90% peer average (+15.39 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.74 pp (9.44% vs 11.18%).
New York standing for AMERICU
- Health composite ranks #130 of 272 among scored New York credit unions.
- Assets rank #12 of 272 inside New York ($2.96B reported).
- Member book place in New York: #11 of 272.
- One place up in New York, TRANSIT (#129) ties at 83/100; one place down, FOURLEAF (#131) ties at 83/100.
AMERICU: 2025Q4 → 2026Q1
AMERICU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $2.96B (2025Q4) to $3.01B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.43% → 9.44%).
This credit union's 9.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
AMERICU gives up 17 points in total. Delinquency Rate costs the most, 9.8 of its 25; Member Growth scores full marks.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 15.2 pts
- Return on Assets 13.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.2 pts
Call Report ratios for AMERICU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -1.74 pp |
| Delinquency Rate | 1.64% | +0.77 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | 21.48% | - |
| Loan-to-Share Ratio | 99.29% | +15.39 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
AMERICU filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.01B | - |
| 2025Q4 | $2.96B | 202,033 |
| 2024Q4 | $2.75B | 166,312 |
| 2023Q4 | $2.69B | 159,998 |
Credit Union Details
- Charter Number
- 68433
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- Rome
- Data Quarter
- 2025Q4
Branch Locations (23)
The NCUA branch filing lists 23 physical offices for AMERICU, spread across 20 cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Rome, NY |
| AuSable Forks | Au Sable Forks, NY |
| Auburn | Auburn, NY |
| Camillus | Camillus, NY |
| Cazenovia | Cazenovia, NY |
| Cicero | Cicero, NY |
| Cortland | Cortland, NY |
| Fayetteville | Fayetteville, NY |
| Fort Drum | Fort Drum, NY |
| Herkimer | Herkimer, NY |
| Keeseville FC | Keeseville, NY |
| Liverpool | Liverpool, NY |
| Lowville | Lowville, NY |
| Oneida | Oneida, NY |
| Peru FC | Peru, NY |
| Griffiss | Rome, NY |
| Armory Square | Syracuse, NY |
| Syracuse | Syracuse, NY |
| Onondaga Hill | Syracuse, NY |
| North Utica | Utica, NY |
| Watertown | Watertown, NY |
| Wilmington FC | Wilmington, NY |
| Commercial Drive | Yorkville, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- AMERICU ranks #2,336 of 4,374 nationally on financial health and #130 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Polish & Slavic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Polish & Slavic
Frequently Asked Questions
Is AMERICU financially healthy?
On its 2025Q4 NCUA 5300 filing, AMERICU scores 83/100 (Excellent), with a 9.44% net worth ratio and 1.64% of loans delinquent. It ranks #2,336 of 4,374 nationally on health and #130 of 272 in New York.
How does AMERICU compare to other credit unions?
AMERICU scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.29% vs 83.90%). Its widest shortfall is net worth ratio (9.44% vs 11.18%).
How can I join AMERICU?
Membership eligibility for AMERICU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AMERICU directly for current membership requirements and application steps.
Is my money safe at AMERICU?
AMERICU is a state-chartered 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. AMERICU's net worth ratio of 9.44% 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.