Credit Union Safety Analysis
Is America's Credit Union, a Federal Credit Union Safe? Tacoma, Washington
Based on its Q2 2026 NCUA 5300 call report, America's Credit Union, a Federal Credit Union has a net worth ratio of 11.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, 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, a Federal Credit Union's net worth ratio is 11.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.10%
- Loan-to-share ratio (Q2 2026): 99.04%
America's Credit Union, a Federal Credit Union (NCUA charter 9373, established 1954) reported $709.5M in assets and 29,338 members for Q2 2026 from Tacoma, Washington. It ranks 23 of 73 credit unions in Washington by total assets. Total assets grew 2.1% from $694.7M on June 30, 2025. It has 223 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.37 percentage points from 10.66% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $291.5M of $570.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% 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: 11.07% for Q1 2026; 10.66% 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: 0.33% for Q1 2026; 0.31% 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: 1.08% for Q1 2026; 0.31% 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: 97.36% for Q1 2026; 98.96% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $291.5M
- Commercial loans: $189.2M
- Used vehicle loans: $31.5M
- Unsecured credit card loans: $30.0M
- Other unsecured loans and lines of credit: $17.7M
- New vehicle loans: $5.9M
- Other secured non-real estate loans and lines of credit: $4.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $709.5M | 11.03% | 0.32% | 0.10% | 99.04% |
| March 31, 2026 | $698.7M | 11.07% | 0.33% | 1.08% | 97.36% |
| December 31, 2025 | $706.1M | 10.76% | 0.50% | 0.41% | 99.92% |
| September 30, 2025 | $704.4M | 10.70% | 0.46% | 0.21% | 100.79% |
| June 30, 2025 | $694.7M | 10.66% | 0.31% | 0.31% | 98.96% |
| March 31, 2025 | $700.3M | 10.57% | 0.29% | 0.12% | 97.37% |
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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, a Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9373) · FFIEC NIC profile (RSSD 12188)
Frequently asked questions
Is America's Credit Union, a Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, America's Credit Union, a Federal Credit Union's net worth ratio is 11.03%, above the 7% NCUA threshold for well capitalized.
Is America's Credit Union, a Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. America's Credit Union, a Federal Credit Union is a federally insured credit union (NCUA charter 9373): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are America's Credit Union, a Federal Credit Union's key safety ratios?
For Q2 2026, America's Credit Union, a Federal Credit Union reports net worth 11.03%, delinquency 0.32%, ROA 0.10%, loan-to-share 99.04%.
What happens to my money if America's Credit Union, a Federal Credit Union fails?
For Q2 2026, America's Credit Union, a Federal Credit Union held $575.8M in shares and deposits for 29,338 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.