America's Credit Union Garland, Texas
America's Credit Union is a state-chartered credit union headquartered in Garland, TX (NCUA charter 67470), and it is regulated and insured by the NCUA. At Q2 2026 it reported 31,035 members and total assets of $427.6M (down 0.1% from Q2 2025), the 70th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 15.01% at Q2 2026, in the well capitalized band.
Also written as America's CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67470
- Headquarters
- Garland, TX
- Established
- Not reported
- Total assets, Q2 2026
- $427.6M
- Assets vs Q2 2025
- -0.1%
- Members, Q2 2026
- 31,035
- Net worth ratio, Q2 2026
- 15.01%
- Latest call report
- Q2 2026, NCUA 5300 · America's Credit Union call report
- Asset rank in state
- 70th of 377 in Texas
- Routing number
- 311982435
- Branches
- 8
It has 514 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was up 0.55 percentage points from 14.46% on June 30, 2025. Its 60-day delinquency ratio of 0.59% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.01% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Texas
Credit unions merged into America's Credit Union
Everman Parkway Credit Union (2026) · Texas Telcom Credit Union (2024) · Go Federal Credit Union (2020) · Defense Contracts South Federal Credit Union (2016)
Frequently asked about America's Credit Union
How big is America's Credit Union?
At Q2 2026 it reported total assets of $427.6M and 31,035 members.
Where is America's Credit Union headquartered?
It is headquartered in Garland, TX, United States.
Is America's Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67470): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates America's Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is America's Credit Union well capitalized?
Its net worth ratio was 15.01% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is America's Credit Union's delinquency ratio?
Its delinquency ratio was 0.59% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is America's Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.39% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Garland, TX 75042
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67470
- RSSD ID
- 744292
- Members
- 31,035
- Potential members
- 2,635,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.01% | 11.43% | 83rd top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.11% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 0.75% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.34% | 3.70% | 84th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 89.14% | 76.55% | 12th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.65% | 1.24% | 89th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.59% | 0.68% | 58th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.00% | 4.92% | 54th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 77.39% | 75.66% | 54th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$427.6M total assets against $428.0M; $362.2M total shares and deposits against $363.4M; $280.3M total loans against $273.4M.
$63.0M net worth against $60.5M.
15.01% net worth ratio against 14.46%.
77.39% loan-to-share ratio against 75.23%.
0.59% delinquency ratio against 0.63%.
0.11% return on assets against 0.43%; 0.75% return on equity against 3.07%.
4.34% net interest margin against 4.50%.
31,035 members against 31,549.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.01% | 0.11% | 0.59% | 77.39% |
| March 31, 2026 | 15.27% | -0.07% | 0.46% | 77.92% |
| December 31, 2025 | 14.46% | 0.63% | 1.08% | 79.11% |
| September 30, 2025 | 14.69% | 0.86% | 0.79% | 77.57% |
| June 30, 2025 | 14.46% | 0.43% | 0.63% | 75.23% |
| March 31, 2025 | 14.67% | 0.21% | 0.64% | 76.24% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.