Credit Union Safety Analysis
Is America's Credit Union Safe? Garland, Texas
Based on its Q2 2026 NCUA 5300 call report, America's Credit Union has a net worth ratio of 15.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.59%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, America's Credit Union's net worth ratio is 15.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.59%
- Return on assets (Q2 2026): 0.11%
- Loan-to-share ratio (Q2 2026): 77.39%
America's Credit Union (NCUA charter 67470) reported $427.6M in assets and 31,035 members for Q2 2026 from Garland, Texas. It ranks 70 of 377 credit unions in Texas by total assets. Total assets fell 0.1% from $428.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.27% for Q1 2026; 14.46% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.46% for Q1 2026; 0.63% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.07% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 77.92% for Q1 2026; 75.23% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $427.6M | 15.01% | 0.59% | 0.11% | 77.39% |
| March 31, 2026 | $422.5M | 15.27% | 0.46% | -0.07% | 77.92% |
| December 31, 2025 | $413.2M | 14.46% | 1.08% | 0.63% | 79.11% |
| September 30, 2025 | $418.1M | 14.69% | 0.79% | 0.86% | 77.57% |
| June 30, 2025 | $428.0M | 14.46% | 0.63% | 0.43% | 75.23% |
| March 31, 2025 | $434.0M | 14.67% | 0.64% | 0.21% | 76.24% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
America's Credit Union profile
Regulator records: NCUA credit union profile (charter 67470) · FFIEC NIC profile (RSSD 744292)
Frequently asked questions
Is America's Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, America's Credit Union's net worth ratio is 15.01%, above the 7% NCUA threshold for well capitalized.
Is America's Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. America's Credit Union is a federally insured credit union (NCUA charter 67470): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are America's Credit Union's key safety ratios?
For Q2 2026, America's Credit Union reports net worth 15.01%, delinquency 0.59%, ROA 0.11%, loan-to-share 77.39%.
What happens to my money if America's Credit Union fails?
For Q2 2026, America's Credit Union held $362.2M in shares and deposits for 31,035 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.