TellerScore

America'S Credit Union is a federally insured state-chartered credit union headquartered in Garland, Texas, in business for about 92 years. At the end of Q2 2026 it reported $427.6M in total assets and $362.2M in member shares and deposits, with 8 offices across 2 states.

Based on its Q2 2026 filing, America'S Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 157th. Its strongest component is capital cushion (100/100; 15.01%), and its lowest is earnings (21/100; 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.01%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity83/100
Loans ÷ shares: 77.4% · 5.1% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.36%

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 (77 → 76).

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202476
Q4 202478
Q1 202576
Q2 202577
Q3 202577
Q4 202574
Q1 202676
Q2 202676
Net worth ratio
7.00%11.13%15.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.83%
Q3 202414.13%
Q4 202414.92%
Q1 202514.67%
Q2 202514.46%
Q3 202514.69%
Q4 202514.46%
Q1 202615.27%
Q2 202615.01%
Delinquent loans (60+ days)
0.42%0.75%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.62%
Q4 20240.58%
Q1 20250.64%
Q2 20250.63%
Q3 20250.79%
Q4 20251.08%
Q1 20260.46%
Q2 20260.59%
Return on assets
-0.07%0.23%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.46%
Q3 20240.44%
Q4 20240.33%
Q1 20250.21%
Q2 20250.33%
Q3 20250.51%
Q4 20250.54%
Q1 2026-0.07%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$427.6M15.01%0.59%0.02%77.4%
Q1 202676$422.5M15.27%0.46%-0.07%77.9%
Q4 202574$413.2M14.46%1.08%0.54%79.1%
Q3 202577$418.1M14.69%0.79%0.51%77.6%
Q2 202577$428.0M14.46%0.63%0.33%75.2%
Q1 202576$434.0M14.67%0.64%0.21%76.2%
Q4 202478$430.2M14.92%0.58%0.33%79.3%
Q3 202476$382.6M14.13%0.62%0.44%80.8%
Q2 202477$391.2M13.83%0.42%0.46%79.4%

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 ratio15.01%
85th
Problem loans0.59%
57th
Net charge-offs0.89%
12th
Return on assets0.02%
5th
Loans to deposits77.4%
46th
Uninsured deposits5.1%
59th
Loan-loss reserves0.00%
50th
Texas ratio3.4%
57th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
1st Community Federal Credit UnionCredit union San Angelo, TX58 out of 100, Moderate$421.8M13.6%3.73%vs
McT Credit UnionCredit union Port Neches, TX69 out of 100, Moderate$415.2M10.1%0.29%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
Texas Tech Federal Credit UnionCredit union Lubbock, TX69 out of 100, Moderate$450.8M10.7%0.42%vs
Houston Texas Fire Fighters Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$401.3M14.0%0.38%vs

Deposit insurance

Is my money safe at America'S Credit Union?

Yes. America'S Credit Union is a federally insured credit union (NCUA charter #67470). 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 5.1% of shares and deposits ($18.5M) 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 15.01%, 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

America'S Credit Union lists 8 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, America'S Credit Union reported 95 home-loan applications under HMDA (LEI 254900H6Q0VRU6MPSX83): 62 originated ($13,430,000 total), 16 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, 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
America'S Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67470
RSSD ID
744292
Primary regulator
State + NCUA
Established
1934
Headquarters
Po Box 469046, Garland, TX 75046
Employees
133

Quick answers

America'S Credit Union: common questions

Is America'S Credit Union NCUA insured?

Yes. America'S Credit Union is a federally insured credit union (NCUA charter #67470). 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 America'S Credit Union's TellerScore?

76 out of 100 (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 America'S Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Garland

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs