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Credit union call report ยท Rome, NY

Americu Credit Union Call Report

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Americu Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 488 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Americu Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68433
Federal Reserve RSSD ID12281

The official copy: search charter number 68433 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Americu Credit Union call report, Q2 2026

Statement of Financial Condition (37 items)
Americu Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $35.2M
1c. Total Cash on Hand 730A $35.2M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $11.3M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $122.3M
2c. Cash on Deposit in Other Financial Institutions 730B2 $5.3M
2. Cash on Deposit (total) 730B $138.9M
3. Time Deposits in Banks and Credit Unions AS0007 $373K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $174.5M
8. Available-for-Sale Debt Securities AS0067 $187.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $187.2M
12a. Nonperpetual Capital Account 769A $1.0M
12c. All Other Investments AS0016 $11.1M
13. TOTAL OTHER INVESTMENTS AS0017 $12.1M
14. Loans Held for Sale 003 $10.1M
15a. Number of Total Loans and Leases 025A 104,358
15b. Total Loans and Leases 025B $2.57B
17. ACL on Loans and Leases AS0048 $38.7M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $1.6M
18e. Foreclosed/Repossessed Assets (total) 798A $1.6M
19. Land and Building 007 $27.6M
20. Other Fixed Assets 008 $2.3M
21. NCUA Share Insurance Capitalization Deposit 794 $22.9M
22b. Mortgage Servicing Rights 779 $1.3M
22d. Accrued Interest on Loans 009A $9.8M
22e. Accrued Interest on Investments 009B $653K
22f. All Other Assets 009C $47.0M
22g. Total Other Assets AS0036 $58.7M
23. TOTAL ASSETS 010 $3.03B
Accounts Payable and Other Liabilities 825 -$12.3M
Borrowings (total) 860C $115.9M
Member Shares of All Types 013 $2.49B
Nonmember Deposits 880 $168.7M
Total Shares and Deposits 018 $2.65B
Undivided Earnings 940 $286.2M
Total Net Worth 997 $289.5M
Net Worth Ratio 998 9.56%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $3.03B
Statement of Income and Expense (28 items)
Americu Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $82.0M
3. Income from Investments 120 $4.6M
5. TOTAL INTEREST INCOME 115 $86.6M
6. Dividends on Shares 380 $26.6M
8. Interest on Borrowed Money 340 $3.0M
9. TOTAL INTEREST EXPENSE 350 $29.6M
10. NET INTEREST INCOME IS0010 $57.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $17.4M
12e. Total Credit Loss Expense IS0017 $17.4M
13. Fee Income 131 $7.7M
14. Other Operating Income IS0020 $9.6M
16. Gain (Loss) on Other Investments IS0047 -$2K
18. Gain (Loss) on Disposition of Fixed Assets 430 $6K
19. Gain (Loss) on Sale of Loans IS0029 $2.0M
20. Gain (Loss) on Sales of Other Real Estate Owned IS0030 -$96K
22. Other Non-Operating Income 440 $1K
23. TOTAL NON-INTEREST INCOME 117 $19.1M
24. Employee Compensation and Benefits 210 $24.9M
25. Travel and Conference 230 $392K
26. Office Occupancy 250 $2.1M
27. Office Operations 260 $6.4M
28. Educational and Promotional 270 $950K
29. Loan Servicing 280 $10.6M
30. Professional and Outside Services 290 $2.3M
32. Operating Fees 320 $62K
33. Miscellaneous Operating Expense 360 $687K
34. TOTAL NON-INTEREST EXPENSE 671 $48.4M
35. NET INCOME 661A $10.4M
Statement pages - all other filed accounts (26 items)

delinquency (21%), credit cards (21%)

Americu Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $21.7M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $22.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $6.4M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $5.3M
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $2.7M
Loans Granted Year-to-Date 031A $13K
Amount of Loans Granted Year-to-Date 031B $497.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $48.4M
Number of current members (not number of accounts) 083 210,014
Number of potential members 084 1,000,000
Net Member Business Loan Balance 400A $283.1M
Non-Member Deposits 457 $49
Interest Rate of Unsecured Credit Card Loans 521 1,151.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 866.00%
Interest Rate of New Vehicle Loans 523 683.00%
Interest Rate of Used Vehicle Loans 524 932.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $14.3M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2.2M
Total Amount of All Other Shares 630 $7.0M
Amount of Regular Shares 657 $629.1M
Amount of Share Drafts 902 $473.0M
IRA/KEOGH Accounts - < 1 Year 906A $116.8M
Share Certificates - < 1 Year 908A $829.5M
Total Amount of Share Certificates 908C $1.00B
Total Amount of Money Market Shares 911 $243.3M
Number of Used Vehicle Loans 968 17,494
NCUA form-section FS220A (29 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Americu Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $2.30B
Total Shares - 1-3 Years 013B1 $177.7M
Total Shares - > 3 Years 013B2 $9.3M
Total Shares and Deposits - < 1 Year 018A $2.44B
Total Shares and Deposits - 1-3 Years 018B1 $201.5M
Total Shares and Deposits - > 3 Years 018B2 $9.3M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 1,880
Amount of Delinquent Indirect Loans 041E $12K
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $279.0M
Amount of New Vehicle Loans 385 $79.4M
Amount of Unsecured Credit Card Loans 396 $113.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $334.5M
Share Certificates 451 $22K
Number of Accounts for Share Drafts 452 96,416
IRA/KEOGH Accounts 453 $9K
Number of Accounts for Regular Shares 454 228,126
All other shares 455 $3K
Money Market Shares 458 $7K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 365,462
Number of credit union employees who are Full-Time (26 hours or more) 564A 467
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 12
Number of Outstanding Indirect Loans 617A 3,880
Total Amount of Outstanding Indirect Loans 618A $162.5M
Amount of real estate loans sold but serviced by the credit union 779A $194.9M
Total credit lines 881 $523.6M
Draws against lines of credit, less than 1 year 883A $90.0M
Draws against lines of credit, 1 to 3 years 883B1 $25.9M
Draws against lines of credit, total amount 883C $115.9M
NCUA form-section FS220B (34 items)

maturity and repricing buckets (40%), credit cards (17%)

Americu Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $1.9M
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $145K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $92K
Number - Total Delinquent Credit Card Loans 045A 535
Total Amount of Delinquent Unsecured Credit Card Loans 045B $3.3M
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $274.5M
Total Uninsured Nonmember Shares and Deposits > $250K (G+H+I) 067A2 $8.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $282.8M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $2.37B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $7.0M
Amount of Regular Shares - < 1 Year 657A $629.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $3.5M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $454K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $53.4M
Total Borrowings - < 1 Year 860A $90.0M
Total Borrowings - 1-3 Years 860B1 $25.9M
Non-Member Deposits - < 1 Year 880A $144.9M
Non-Member Deposits - 1-3 Years 880B1 $23.8M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $473.0M
IRA/KEOGH Accounts - 1-3 Years 906B1 $13.3M
IRA/KEOGH Accounts - > 3 Years 906B2 $3.1M
Total Amount of IRA/KEOGH Accounts 906C $133.2M
Share Certificates - 1-3 Years 908B1 $164.4M
Share Certificates - > 3 Years 908B2 $6.3M
Money Market Shares - < 1 Year 911A $243.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $3.2M
Number of New Vehicle Loans 958 2,700
Total Shares 966 $365K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $9.5M
Number of Unsecured Credit Card Loans 993 34,040
Number of All Other Unsecured Loans/Lines of Credit 994 23,542
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 75
NCUA form-section FS220C (10 items)

charge-offs and recoveries (27%), participation loans (18%)

Americu Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $2K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $670K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $215K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $226K
Number of credit union branches (include the main office if member services are conducted at that location) 566 23
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $565.3M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $50.3M
Amount of Participation Loans Sold Year-to-Date 691 $37.6M
Outstanding balance of brokered certificates of deposit and share certificates 788 $158.3M
NCUA form-section FS220D (29 items)

member services and products offered (69%), CUSO relationships (27%)

Americu Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (11 items)

loans and leases (32%), participation loans (18%)

Americu Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $3.2M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $209.0M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $109.9M
Total Outstanding Amount of Participation Loans Sold By Type 691N $16.2M
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $9.3M
Total Value of Investments in CUSOs 851 $4.6M
Total Aggregate Cash Outlay in CUSOs 853 $2.9M
Assets Pledged to Secure Borrowings 878 $626.5M
Total Credit Lines at Corporate Credit Unions 884 $50.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $3.2M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $3.2M
NCUA form-section FS220H (8 items)

student loans (43%), delinquency (27%)

Americu Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $174K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $1K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 793.00%
Amount of Non-Federally Guaranteed Student Loans 698A $14.9M
Total Unfunded Commitments for all loan types 816A $498.5M
Number of Non-Federally Guaranteed Student Loans 963A 503
Total number of TDR loans outstanding 1000F $30
Total amount of TDR loans outstanding 1001F $2.6M
NCUA form-section FS220I (20 items)

vehicle lending (59%), delinquency (44%)

Americu Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $1.4M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $7.5M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $261K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $2.6M
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $123K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $1.8M
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $223K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $167K
Number of Reportable Delinquent New Vehicle Loans 035E1 24
Number of Reportable Delinquent Used Vehicle Loans 035E2 500
Amount of Reportable Delinquent New Vehicle Loans 041C1 $683K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $6.5M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $109K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2.8M
Amount of New Vehicle Loans YTD Recoveries 551C1 $62K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $297K
Commercial Share Accounts 643 $127.9M
Draws Against LOCs from FHLB 885A3 $115.9M
Total Draws Againts LOCs 885A4 $115.9M
Number of International Remittances originated Year-to-Date 928 144
NCUA form-section FS220J (3 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Americu Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Securities 789C $26.2M
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $27.3M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $53.5M
NCUA form-section FS220L (50 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Americu Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $104K
Total Amount of Loans & Leases on Loan Schedule 025B1 $2.57B
Total number of commercial loans to members granted or purchased YTD 090A1 $62
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 3
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 13
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 4
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 7
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $22
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 24
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 10
Number of member construction and development commercial loans 143A3 4
Outstanding balance of member construction and development commercial loans 143B3 $2.2M
Number of member construction and development commercial loans granted or purchased YTD 143C3 1
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $862K
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $271.0M
Total outstanding balance of commercial loans to members 400A1 $276.3M
Total outstanding balance of nonmember commercial loans 400B1 $50.2M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $3.0M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $999K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $40.4M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $116.8M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $39.4M
Outstanding balance of Member Commercial and Industrial loans 400L2 $20.6M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $92.3M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $10.7M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $24.6M
Outstanding balance of all member and non-member commercial loans 400T1 $326.5M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $30.7M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $690K
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $1.9M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $2.2M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $10.0M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $20.1M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $8.0M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $7.1M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 567.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 838.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 656.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 430.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 933.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 5
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $8.3M
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $6.2M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $50.2M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $200.5M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $949.9M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $26.6M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $251.7M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $50.2M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $301.9M
NCUA form-section FS220M (25 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Americu Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $115.0M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $327.2M
Total Unfunded Commitments for Commercial Loans 814K $12.9M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $3.6M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $905K
Total Unfunded Commitments for Non-Commercial Loans 816T $485.6M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $39.0M
Total number of member commercial loans 900A1 $604
Total number of nonmember commercial loans 900B1 $16
Number of Member Unsecured Commercial Loans 900C5 40
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 92
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 69
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 125
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 9
Total number of real estate secured member commercial loans 900K2 $335
Total number of real estate secured nonmember commercial loans 900K3 $16
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 351
Number of Member Commercial and Industrial loans 900L2 137
Number of member commercial loans Secured by Multifamily Property 900M 137
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 7
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 269
Total Number of Member and Nonmember commercial loans 900T1 $620
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 8,640
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 5,773
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 11,046
NCUA form-section FS220N (8 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Americu Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $16.5M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $36.0M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $75.0M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $55.7M
Available-for-sale Debt Securities > 10 Years AS0066 $4.0M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$20.8M
Total Liabilities LI0069 $2.76B
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $3.03B
NCUA form-section FS220P (68 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Americu Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $6.8M
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $1.2M
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $776K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $55K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0017 $10K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $11K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $51K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Commercial and Industrial Loans CH0035 $48K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Unsecured Commercial Loans CH0037 $55K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Unsecured Commercial Loans CH0038 $7K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial Purposes CH0039 $195K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial Purposes CH0040 $7K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $260.6M
Unsecured Credit Card Loans DL0002 $1.1M
All Other Unsecured Loans/Lines of Credit DL0022 $5.2M
All Other Unsecured Loans/Lines of Credit DL0023 $2.5M
All Other Unsecured Loans/Lines of Credit DL0024 $4.7M
All Other Unsecured Loans/Lines of Credit DL0025 $1.0M
All Other Unsecured Loans/Lines of Credit DL0026 $847K
All Other Unsecured Loans/Lines of Credit DL0027 $9.1M
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $546
New Vehicle Loans DL0030 $77K
Used Vehicle Loans DL0037 $1.9M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $2.5M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $779K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $688K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $1.1M
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $566K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $3.1M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $143
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $1.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $4.7M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $2.2M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $2.0M
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $2.7M
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $11.6M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $94
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $804K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $430K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $690K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $165K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $647K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $1.9M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $32
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Multifamily DL0092 $211K
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - Commercial Loans/Lines of Credit Secured by Multifamily DL0093 $2.8M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Multifamily DL0097 $2.8M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Multifamily DL0098 $3
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0108 $9.3M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0111 $9.3M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0112 $1
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit - Unsecured Commercial Loans DL0129 $48K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit - Unsecured Commercial Loans DL0132 $48K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit - Unsecured Commercial Loans DL0133 $1
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial DL0135 $95K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial DL0139 $95K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial DL0140 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $14.3M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $10.5M
Amount of Consumer Loans in Non-Accrual Status DL0145 $24.7M
Amount of Commercial Loans in Non-Accrual Status DL0146 $9.4M
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $6
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $658K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 29
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $109K
Number of Indirect Loans - All Other Loans IN0007 3,851
Amount of Indirect Loans - All Other Loans IN0008 $162.4M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $498.5M
NCUA form-section FS220Q (43 items)

investment portfolio detail (69%)

Americu Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $337.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $489.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $136.6M
Total Borrowings LQ0860 $115.9M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $4.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $3.9M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $167.0M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $148.1M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $167.0M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $148.1M
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $9.9M
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $9.2M
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $4.4M
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $4.3M
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $22.6M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $21.6M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $207.9M
Total Fair Value Available-for-Sale Debt Securities NV0084 $187.2M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $373K
Investment Maturity Distribution - Time Deposits - Total NV0116 $373K
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $187.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $11.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $1.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $12.1M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $28.0M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $37.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $75.0M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $55.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $4.0M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $199.6M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on all other investments NV0161 -$2K
Total Gain (Loss) on Investments NV0162 -$2K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $21.9M
RBC Total Equity RB0001 $289.5M
RBC Allowance for Credit Losses RB0002 $38.7M
RBC Total Additions RB0005 $38.7M
RBC Total Deductions RB0009 $22.9M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $305.3M
RBC Risk-Based Capital Numerator RB0012 $305.3M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $5.8M
Participation Loans: Participations Sold - Retained Balance Outstanding - Vehicle-Non-commercial SL0038 $6.9M
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Vehicle - Non-commercial SL0039 $37.6M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $43.1M
NCUA form-section FS220R (57 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Americu Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $136.6M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
RBC Schedule Total Investments RB0039 $199.3M
RBC Schedule Total Consumer Loans RB0060 $1.02B
RBC Schedule Total Commercial Loans RB0068 $326.5M
RBC Adjustments to Loans Held for Sale RB0075 -$10.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $38.7M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $38.7M
RBC Schedule Total Loans RB0079 $2.54B
RBC Adjustments to Total Loans RB0080 -$10.1M
RBC Total for Risk Weighting Total Loans RB0081 -$38.7M
RBC Total Loans 0% Weight RB0082 -$38.7M
RBC Schedule Total Other Assets RB0088 $113.0M
RBC Total for Risk Weighting Other Assets RB0090 $22.9M
RBC Other Assets 0% Weight RB0091 $22.9M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $3.03B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$15.8M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$15.8M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $3.03B
RBC Allowance for Credit Losses (Loans) RB0177 $38.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 3,941.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 505,473,911.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 98,990,715.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 3,490.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 213,982,941.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 5,765,626.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $848
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $170.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $223
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $59.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $20.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 16.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 1,126,903.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 1,386,392.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $949.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $126.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 2,625.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 124,084,492.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 17,531,100.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 3,138.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 146,906,709.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 37,746,220.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $271.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $55.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $14K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $1.22B
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $181.5M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $161.7M
Total Shares SH0013 $2.49B
Total Shares and Deposits SH0018 $2.65B
Total Non-Member Deposits SH0880 $168.7M
Number of Loans Sold, Year-to-date SL0022 249
Amount of Loans Sold, Year-to-date SL0023 $53.4M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 249
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 32
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $7.4M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1,977
NCUA form-section FS220S (2 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Americu Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1

Americu Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Americu Credit Union call report?

The Americu Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Americu Credit Union file?

Americu Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Americu Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Americu Credit Union is 68433.

How often does Americu Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Americu Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.