America's

GARLAND, TX · 2 · Charter #67470 · WWW.AMERICASCU.ORG
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$413.2M
43th percentile
Members
31,255
56th percentile
Total loans
$277.2M
45th percentile
Total shares
$350.4M
44th percentile

Profitability

Return on assets
1.02%
54th percentile
Net interest margin
4.62%
96th percentile
Efficiency ratio
75.39%
4th percentile
Non-interest income ratio
22.44%
71th percentile

Capital & Risk

Net worth ratio
14.46%
88th percentile
Delinquency rate
1.08%
25th percentile
Net charge-off rate
0.62%
30th percentile
Loan-to-share
79.11%
46th percentile

Growth

Member growth YoY
-4.36%
11th percentile
Asset growth YoY
-3.94%
4th percentile
Loan growth YoY
-4.49%
10th percentile
Share growth YoY
-4.30%
3th percentile

Operations

Members / branch
4,465
47th percentile
Assets / member
$13,221
22th percentile
Field of membership penetration
1.19%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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