TellerScore

Americhoice Federal Credit Union (NCUA charter #20041) is based in Mechanicsburg, Pennsylvania. Its Q2 2026 call report shows $240.4M in total assets and $210.5M in member shares and deposits and 5 offices.

Americhoice Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 194th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 7% uninsured); loan quality contributes the least (43/100, 1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.39%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.72%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity91/100
Loans ÷ shares: 68.9% · 7.1% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.40%

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 (67 → 66).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202472
Q1 202573
Q2 202567
Q3 202572
Q4 202570
Q1 202669
Q2 202666
Net worth ratio
7.00%9.70%12.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.07%
Q3 202411.75%
Q4 202411.91%
Q1 202511.62%
Q2 202511.97%
Q3 202512.21%
Q4 202512.31%
Q1 202612.15%
Q2 202612.39%
Delinquent loans (60+ days)
0.72%1.22%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.97%
Q4 20240.92%
Q1 20250.78%
Q2 20251.37%
Q3 20250.99%
Q4 20251.22%
Q1 20261.24%
Q2 20261.72%
Return on assets
0.83%1.01%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.15%
Q4 20241.18%
Q1 20251.03%
Q2 20250.92%
Q3 20250.95%
Q4 20250.96%
Q1 20260.83%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$240.4M12.39%1.72%0.89%68.9%
Q1 202669$240.4M12.15%1.24%0.83%69.2%
Q4 202570$233.2M12.31%1.22%0.96%73.4%
Q3 202572$230.7M12.21%0.99%0.95%73.5%
Q2 202567$230.3M11.97%1.37%0.92%74.8%
Q1 202573$233.4M11.62%0.78%1.03%73.5%
Q4 202472$222.7M11.91%0.92%1.18%78.9%
Q3 202472$219.9M11.75%0.97%1.15%79.1%
Q2 202471$226.7M11.07%0.72%1.03%75.8%

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 ratio12.39%
62nd
Problem loans1.72%
9th
Net charge-offs0.19%
72nd
Return on assets0.89%
60th
Loans to deposits68.9%
63rd
Uninsured deposits7.1%
38th
Loan-loss reserves0.00%
50th
Texas ratio8.4%
19th

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Mc Federal Credit UnionCredit union Danville, PA65 out of 100, Moderate$247.2M12.4%2.12%vs
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Chrome Federal Credit UnionCredit union Canonsburg, PA77 out of 100, Strong$223.6M15.3%0.89%vs
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Deposit insurance

Is my money safe at Americhoice Federal Credit Union?

Yes. Americhoice Federal Credit Union is a federally insured credit union (NCUA charter #20041). 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 7.1% of shares and deposits ($15.0M) 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 12.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Americhoice Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Americhoice Federal Credit Union reported 182 home-loan applications under HMDA (LEI 54930047YMR4VOMFGS35): 125 originated ($14,475,000 total), 29 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, 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
Americhoice Federal Credit Union
Type
Federal credit union
NCUA charter #
20041
RSSD ID
519986
Primary regulator
NCUA
Established
1970
Headquarters
2175 Bumble Bee Hollow Rd, Mechanicsburg, PA 17055
Employees
59

Quick answers

Americhoice Federal Credit Union: common questions

Is Americhoice Federal Credit Union NCUA insured?

Yes. Americhoice Federal Credit Union is a federally insured credit union (NCUA charter #20041). 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 Americhoice Federal Credit Union's TellerScore?

66 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 Americhoice Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mechanicsburg

InstitutionScoreAssetsCapitalProblem loansCompare
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Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
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Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs