Headquartered in Rome, New York, Americu Credit Union is a federally insured state-chartered credit union with $3.0B in total assets and $2.7B in member shares and deposits as of Q2 2026. It operates 23 offices. Its charter dates back to 1978.
Based on its Q2 2026 filing, Americu Credit Union scores 48/100, which we describe as below average. That is higher than only 4% of 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 249th. Its strongest component is problem-loan coverage (65/100; 17.3%), and its lowest is loan quality (37/100; 1.89%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (47 → 48).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 44 |
| Q4 2024 | 43 |
| Q1 2025 | 44 |
| Q2 2025 | 47 |
| Q3 2025 | 48 |
| Q4 2025 | 49 |
| Q1 2026 | 55 |
| Q2 2026 | 48 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.56% |
| Q3 2024 | 9.74% |
| Q4 2024 | 9.59% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.50% |
| Q3 2025 | 9.74% |
| Q4 2025 | 9.43% |
| Q1 2026 | 9.44% |
| Q2 2026 | 9.56% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.03% |
| Q3 2024 | 2.19% |
| Q4 2024 | 2.13% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.79% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.89% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $3.0B | 9.56% | 1.89% | 0.69% | 96.8% |
| Q1 2026 | 55 | $3.0B | 9.44% | 1.27% | 0.72% | 96.9% |
| Q4 2025 | 49 | $3.0B | 9.43% | 1.64% | 0.52% | 99.3% |
| Q3 2025 | 48 | $2.8B | 9.74% | 1.79% | 0.52% | 101.8% |
| Q2 2025 | 47 | $2.8B | 9.50% | 1.65% | 0.32% | 100.2% |
| Q1 2025 | 44 | $2.8B | 9.45% | 1.73% | 0.08% | 98.4% |
| Q4 2024 | 43 | $2.7B | 9.59% | 2.13% | 0.39% | 100.4% |
| Q3 2024 | 44 | $2.7B | 9.74% | 2.19% | 0.48% | 100.5% |
| Q2 2024 | 45 | $2.7B | 9.56% | 2.03% | 0.44% | 98.1% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corning Federal Credit UnionCredit union Corning, NY | 68 out of 100, Moderate | $2.8B | 10.8% | 0.45% | vs |
| Polish & Slavic Federal Credit UnionCredit union Brooklyn, NY | 73 out of 100, Strong | $2.7B | 11.3% | 0.31% | vs |
| Usalliance Federal Credit UnionCredit union Rye, NY | 53 out of 100, Below average | $3.4B | 8.3% | 0.84% | vs |
| Suffolk Federal Credit UnionCredit union Medford, NY | 61 out of 100, Moderate | $2.1B | 8.5% | 0.52% | vs |
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |
| Empower Federal Credit UnionCredit union Syracuse, NY | 59 out of 100, Moderate | $4.3B | 9.7% | 1.05% | vs |
Deposit insurance
Is my money safe at Americu Credit Union?
Yes. Americu Credit Union is a federally insured credit union (NCUA charter #68433). 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 10.3% of shares and deposits ($274.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.56%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
23 locations
Branches
Americu Credit Union lists 23 offices in 20 cities. Most locations:
- Syracuse, NY (3)
- Rome, NY (2)
- Auburn, NY (1)
- Au Sable Forks, NY (1)
- Camillus, NY (1)
- Cazenovia, NY (1)
- Cicero, NY (1)
- Cortland, NY (1)
- Fayetteville, NY (1)
- Fort Drum, NY (1)
- Herkimer, NY (1)
- Keeseville, NY (1)
HMDA 2025
Mortgage lending
In 2025, Americu Credit Union reported 3,581 home-loan applications under HMDA (LEI 5493002C1SVHOFTWF108): 2,327 originated ($353,075,000 total), 924 denied, and 330 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.4%, 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
- Americu Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68433
- RSSD ID
- 12281
- Primary regulator
- State + NCUA
- Established
- 1978
- Headquarters
- 1916 Black River Blvd, Rome, NY 13440
- Employees
- 479
Quick answers
Americu Credit Union: common questions
Is Americu Credit Union NCUA insured?
Yes. Americu Credit Union is a federally insured credit union (NCUA charter #68433). 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 Americu Credit Union's TellerScore?
48 out of 100 (Below average), 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 Americu Credit Union have?
23 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Rome
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of UticaBank Utica, NY | 92 out of 100, Very strong | $1.5B | 26.5% | 0.59% | vs |
| Remington Federal Credit UnionCredit union Ilion, NY | 88 out of 100, Very strong | $59.9M | 15.1% | 0.76% | vs |
| Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY | 82 out of 100, Strong | $40.3M | 31.9% | 0.83% | vs |
| Mohawk Valley Federal Credit UnionCredit union Marcy, NY | 80 out of 100, Strong | $61.9M | 12.9% | 0.86% | vs |
| G.P.O. Federal Credit UnionCredit union New Hartford, NY | 79 out of 100, Strong | $629.8M | 11.7% | 0.39% | vs |
| Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY | 73 out of 100, Strong | $135.9M | 16.7% | 1.72% | vs |