Garland, Texas · Peer group 5
America's Credit Union
America's Credit Union holds $422.5M in assets across 31,666 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1934. Charter number 67470, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $422.5M |
|---|---|
| Total loans | $278.9M |
| Total shares (deposits) | $357.9M |
| Net worth | $64.0M |
| Members | 31,666 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.6% | |
|---|---|---|
| Loans | -1.9% | around the 24th percentile of its peer group |
| Deposits | -3.9% | lower than 95% of its peer group |
| Members | -4.5% | around the 13th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 77.9% | around the 63rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.3% | around the 87th percentile of its peer group |
| Return on assets | -0.07% | lower than 93% of its peer group |
| Delinquency ratio | 0.46% | around the 38th percentile of its peer group |
| Cash / assets | 17.6% | around the 87th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is America's Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- 1st Community Credit Union
San Angelo, TX
$422.2M · 23,575 members
- MCT Credit Union
Port Neches, TX
$411.3M · 21,604 members
- Pecu Credit Union
Austin, TX
$439.1M · 21,602 members
- Houston Texas Fire Fighters Credit Union
Houston, TX
$401.2M · 17,733 members
- Texar Credit Union
TEXARKANA, TX
$444.7M · 28,131 members
- Texas Tech Credit Union
Lubbock, TX
$447.0M · 36,472 members
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