Headquartered in Erie, Pennsylvania, Americo Federal Credit Union is a federal credit union with $90.2M in total assets and $78.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1959.
Americo Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 171st. Funding & liquidity contributes the most (100/100, 38% loans-to-deposits, 3% uninsured); loan quality contributes the least (37/100, 1.88%).
TellerScore · Q2 2026
Scorecard
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 fell 5 points (76 → 71), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 75 |
| Q2 2025 | 76 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.98% |
| Q3 2024 | 11.34% |
| Q4 2024 | 11.19% |
| Q1 2025 | 11.37% |
| Q2 2025 | 11.70% |
| Q3 2025 | 12.25% |
| Q4 2025 | 12.50% |
| Q1 2026 | 12.39% |
| Q2 2026 | 12.88% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.84% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.88% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.95% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.15% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $90.2M | 12.88% | 1.88% | 1.29% | 38.1% |
| Q1 2026 | 71 | $91.2M | 12.39% | 1.68% | 1.15% | 37.0% |
| Q4 2025 | 78 | $88.3M | 12.50% | 0.84% | 1.11% | 38.3% |
| Q3 2025 | 79 | $88.1M | 12.25% | 0.62% | 1.07% | 38.5% |
| Q2 2025 | 76 | $89.8M | 11.70% | 0.69% | 0.95% | 37.3% |
| Q1 2025 | 75 | $90.3M | 11.37% | 0.60% | 0.86% | 37.0% |
| Q4 2024 | 70 | $90.1M | 11.19% | 0.72% | 0.50% | 38.1% |
| Q3 2024 | 69 | $88.0M | 11.34% | 0.86% | 0.47% | 40.1% |
| Q2 2024 | 69 | $89.8M | 10.98% | 0.79% | 0.45% | 39.1% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA | 90 out of 100, Very strong | $86.9M | 12.3% | 0.07% | vs |
| Freedom United Federal Credit UnionCredit union Rochester, PA | 93 out of 100, Very strong | $94.2M | 19.0% | 0.84% | vs |
| First Choice Federal Credit UnionCredit union New Castle, PA | 82 out of 100, Strong | $94.5M | 12.6% | 0.79% | vs |
| Gnc Community Federal Credit UnionCredit union New Castle, PA | 82 out of 100, Strong | $85.0M | 15.3% | 0.41% | vs |
| Washington Area Teachers Federal Credit UnionCredit union Washington, PA | 78 out of 100, Strong | $82.4M | 11.6% | 0.25% | vs |
| Armstrong Associates Federal Credit UnionCredit union Ford City, PA | 75 out of 100, Strong | $82.3M | 12.3% | 0.57% | vs |
Deposit insurance
Is my money safe at Americo Federal Credit Union?
Yes. Americo Federal Credit Union is a federally insured credit union (NCUA charter #12752). 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 2.9% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Americo Federal Credit Union lists 2 offices in 1 city. Most locations:
- Erie, PA (2)
Identity & history
Profile
- Legal name
- Americo Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12752
- RSSD ID
- 391182
- Primary regulator
- NCUA
- Established
- 1959
- Headquarters
- 4101 Main St, Erie, PA 16511
- Employees
- 16
Quick answers
Americo Federal Credit Union: common questions
Is Americo Federal Credit Union NCUA insured?
Yes. Americo Federal Credit Union is a federally insured credit union (NCUA charter #12752). 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 Americo Federal Credit Union's TellerScore?
71 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 Americo Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Erie
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Locomotive & Control Employees Federal Credit UnionCredit union Erie, PA | 91 out of 100, Very strong | $20.3M | 26.1% | 0.71% | vs |
| Erie Police Federal Credit UnionCredit union Erie, PA | 89 out of 100, Very strong | $2.5M | 26.2% | 0.00% | vs |
| Corry Federal Credit UnionCredit union Corry, PA | 86 out of 100, Very strong | $115.9M | 12.5% | 0.15% | vs |
| Erie Firefighters Federal Credit UnionCredit union Erie, PA | 85 out of 100, Very strong | $10.0M | 13.9% | 0.31% | vs |
| Tri State Rail Federal Credit UnionCredit union Erie, PA | 84 out of 100, Strong | $19.9M | 20.0% | 0.50% | vs |
| North East Welch Federal Credit UnionCredit union North East, PA | 82 out of 100, Strong | $26.0M | 16.8% | 1.37% | vs |