TellerScore

Headquartered in Reidsville, North Carolina, American Partners Federal Credit Union is a federal credit union with $107.7M in total assets and $92.5M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1975.

American Partners Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 31st. Loan quality contributes the most (90/100, 0.30%); earnings contributes the least (53/100, 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.55%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity73/100
Loans ÷ shares: 87.4% · 9.0% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.30%

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

From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the capital cushion component improved by 11 points.

TellerScore
576369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202457
Q4 202460
Q1 202566
Q2 202566
Q3 202563
Q4 202559
Q1 202667
Q2 202669
Net worth ratio
7.00%8.78%10.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.66%
Q3 20248.72%
Q4 20248.55%
Q1 20259.38%
Q2 20259.53%
Q3 202510.11%
Q4 202510.16%
Q1 202610.48%
Q2 202610.55%
Delinquent loans (60+ days)
0.30%0.84%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.71%
Q4 20240.31%
Q1 20250.32%
Q2 20250.35%
Q3 20250.77%
Q4 20251.38%
Q1 20260.59%
Q2 20260.30%
Return on assets
0.32%0.63%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.48%
Q4 20240.32%
Q1 20250.71%
Q2 20250.76%
Q3 20250.74%
Q4 20250.95%
Q1 20260.82%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$107.7M10.55%0.30%0.83%87.4%
Q1 202667$106.6M10.48%0.59%0.82%84.4%
Q4 202559$107.8M10.16%1.38%0.95%89.1%
Q3 202563$103.9M10.11%0.77%0.74%90.7%
Q2 202566$108.6M9.53%0.35%0.76%81.9%
Q1 202566$108.4M9.38%0.32%0.71%81.9%
Q4 202460$100.1M8.55%0.31%0.32%84.5%
Q3 202457$98.7M8.72%0.71%0.48%88.3%
Q2 202461$98.5M8.66%0.37%0.57%90.8%

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 ratio10.55%
36th
Problem loans0.30%
82nd
Net charge-offs0.14%
79th
Return on assets0.83%
57th
Loans to deposits87.4%
23rd
Uninsured deposits9.0%
22nd
Loan-loss reserves0.00%
50th
Texas ratio7.3%
24th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
North Carolina Community Federal Credit UnionCredit union Goldsboro, NC80 out of 100, Strong$107.1M10.9%0.13%vs
Weyco Community Credit UnionCredit union Plymouth, NC49 out of 100, Below average$115.5M9.9%2.21%vs
Nova Credit UnionCredit union Charlotte, NC79 out of 100, Strong$120.7M17.6%0.56%vs
Bragg Mutual Federal Credit UnionCredit union Fayetteville, NC54 out of 100, Below average$131.1M8.3%0.85%vs
R T P Federal Credit UnionCredit union Rtp, NC58 out of 100, Moderate$142.2M8.1%0.85%vs
Duke University Federal Credit UnionCredit union Durham, NC64 out of 100, Moderate$203.2M10.7%1.71%vs

Deposit insurance

Is my money safe at American Partners Federal Credit Union?

Yes. American Partners Federal Credit Union is a federally insured credit union (NCUA charter #22119). 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 9.0% of shares and deposits ($8.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.55%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

American Partners Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Partners Federal Credit Union reported 81 home-loan applications under HMDA (LEI 254900AJB66305WKCT53): 81 originated ($14,965,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
American Partners Federal Credit Union
Type
Federal credit union
NCUA charter #
22119
RSSD ID
775081
Primary regulator
NCUA
Established
1975
Headquarters
618 N Scales St, Reidsville, NC 27320
Employees
35

Quick answers

American Partners Federal Credit Union: common questions

Is American Partners Federal Credit Union NCUA insured?

Yes. American Partners Federal Credit Union is a federally insured credit union (NCUA charter #22119). 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 American Partners Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 American Partners Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Reidsville

InstitutionScoreAssetsCapitalProblem loansCompare
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
First Savings and Loan AssociationBank Mebane, NC81 out of 100, Strong$55.9M23.9%0.23%vs
Internal Revenue Employees Federal Credit UnionCredit union Greensboro, NC80 out of 100, Strong$12.2M29.4%0.75%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Acclaim Federal Credit UnionCredit union Greensboro, NC78 out of 100, Strong$60.4M12.9%0.44%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs