TellerScore

Aac Credit Union is a federally insured state-chartered credit union headquartered in Grand Rapids, Michigan, in business for about 89 years. At the end of Q2 2026 it reported $212.4M in total assets and $158.1M in member shares and deposits, with 8 offices across 2 states.

Based on its Q2 2026 filing, Aac Credit Union scores 90/100, which we describe as very strong. That is higher than 95% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 14th. Its strongest component is capital cushion (100/100; 24.16%), and its lowest is earnings (78/100; 1.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.16%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity85/100
Loans ÷ shares: 75.1% · 5.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).

TellerScore
838893Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202483
Q1 202589
Q2 202589
Q3 202589
Q4 202588
Q1 202693
Q2 202690
Net worth ratio
7.00%15.61%24.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.15%
Q3 202423.58%
Q4 202423.35%
Q1 202523.27%
Q2 202523.48%
Q3 202523.45%
Q4 202524.22%
Q1 202623.92%
Q2 202624.16%
Delinquent loans (60+ days)
0.09%0.41%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.39%
Q4 20240.73%
Q1 20250.42%
Q2 20250.47%
Q3 20250.51%
Q4 20250.56%
Q1 20260.09%
Q2 20260.36%
Return on assets
1.05%1.32%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.14%
Q4 20241.16%
Q1 20251.50%
Q2 20251.53%
Q3 20251.59%
Q4 20251.51%
Q1 20261.45%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$212.4M24.16%0.36%1.46%75.1%
Q1 202693$211.2M23.92%0.09%1.45%75.4%
Q4 202588$205.5M24.22%0.56%1.51%78.4%
Q3 202589$204.6M23.45%0.51%1.59%79.6%
Q2 202589$206.2M23.48%0.47%1.53%78.8%
Q1 202589$204.5M23.27%0.42%1.50%78.8%
Q4 202483$194.9M23.35%0.73%1.16%83.2%
Q3 202486$191.1M23.58%0.39%1.14%87.0%
Q2 202485$191.9M23.15%0.36%1.05%86.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio24.16%
99th
Problem loans0.36%
78th
Net charge-offs0.08%
87th
Return on assets1.46%
87th
Loans to deposits75.1%
51st
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio0.8%
91st

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Parda Federal Credit UnionCredit union Auburn Hills, MI75 out of 100, Strong$217.4M13.7%0.75%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs
Isabella Community Credit UnionCredit union MT Pleasant, MI69 out of 100, Moderate$222.2M10.1%1.14%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs

Deposit insurance

Is my money safe at Aac Credit Union?

Yes. Aac Credit Union is a federally insured credit union (NCUA charter #62217). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.3% of shares and deposits ($8.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 24.16%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Aac Credit Union lists 8 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Aac Credit Union reported 161 home-loan applications under HMDA (LEI 2549003QXUI2HKRWW551): 126 originated ($12,450,000 total), 18 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Aac Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62217
RSSD ID
206491
Primary regulator
State + NCUA
Established
1937
Headquarters
177 Wilson Ave NW, Grand Rapids, MI 49534
Employees
47

Quick answers

Aac Credit Union: common questions

Is Aac Credit Union NCUA insured?

Yes. Aac Credit Union is a federally insured credit union (NCUA charter #62217). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Aac Credit Union's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Aac Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Grand Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
Allegheny Central Federal Credit UnionCredit union Dunbar, PA95 out of 100, Very strong$8.2M20.8%0.18%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Gr Consumers Credit UnionCredit union Wyoming, MI86 out of 100, Very strong$52.0M16.6%0.16%vs
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs