# AMERICU
Rome, NY · NCUA charter 68433 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/americu-68433

Who the members are: state charter, organized 1978, low-income designated. 205,600 members of 1,000,000 potential (20.6% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.01B |
| Members | 205,600 (21.4% YoY) |
| Full-time staff | 474 |
| Net worth | $284.5M |
| Net worth ratio | 9.4% (p21 of band) |
| ROA (annualized) | 0.72% (p51 of band) |
| Total delinquency | 1.27% (p89 of band) |
| Net charge-offs (annualized) | 1.12% (p89 of band) |
| Loans / shares | 97% (p83 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 4.68% |
| Net interest margin | 3.75% (p79 of band) |
| Operating expense / assets | 3.19% (p48 of band) |
| Vehicles % of loans | 13% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 62% (p28 of band) |
| Vehicle delinquency | 1.91% (p95 of band) |
| Vehicle NCO | 1.77% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 111% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 37% |
| Average share balance | $7,282 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $198.6M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $24,906 |
| Loans granted, annualized | $872.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $198.6M outstanding purchased (69.8% of net worth), $12.7M sold and retained. Sold in 1 and bought in 3 of the last 8 quarters. Shares 8.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency 2x band |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | net worth falling | loans>95% of shares |
| 2019-03 | 5 | charge-offs p90, loan book shrinking |  |
| 2019-06 | 3 |  | delinquency 2x band, charge-offs p90 |
| 2019-09 | 4 | thin capital, delinquency 2x band | loan book shrinking |
| 2019-12 | 2 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2020-03 | 4 | losing money, margin squeeze |  |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 4 | delinquency 2x band |  |
| 2020-12 | 4 | loans>95% of shares | delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band, 3rd-party paper>100% NW | margin squeeze, loans>95% of shares |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | 3rd-party paper>100% NW |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | charge-offs p90 |  |
| 2023-06 | 3 |  | thin capital, charge-offs p90 |
| 2023-09 | 5 | delinquency rising, 3rd-party paper>100% NW |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | 3rd-party paper>100% NW |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 5 | net worth falling, charge-offs p90 |  |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 3 |  | charge-offs p90 |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 2 |  | leaning on borrowings, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [AmeriCU Credit Union employees spend August volunteering across New York state - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxObEwtMG8yUEZYZDBGb3BGV1Q0eUdCTnhCU0t1T3RlWHNQd0NDdXM3dzE2Q1FhSWZMTjZIbkZTLXV6NFdUcFNzSVEwMW9NLVplaElEakFCcmdlMzBWSGtzUWdrdUZZY2RsSWJFb1c3RzEyQUlyRjNGYm9qNTl6cDdTd0FQX3ZwU0ZGWUFiSDJpQlZGQmM0VzVSR29ndkV6SW03YkwwU3M1QzA2NFlXX1NZRWNtamt1VEFDRjdJ?oc=5) · CUInsight
- 2026-09-03 [American Banker Names AmeriCU Credit Union One of the Best Credit Unions to Work For in 2026 - thedailypost.digital](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNFdpalRnWjBZYUprNVJtcU5KM05JbHNNWnZNODlabGZ0cktCcWtGNmdPTWdVZjZPa3BZa1cwcV9zSktKTlBLb2s5Y1Zwb0pjUE03UFZtX1VPdVVrQ1Ztc0hBSUR5b1RxelhBeGJnOHU2Z1FfTTRFSUVQSm11clpBeHF6Vk5vV3NYcE52Q3hIY05SR2QzNUtpVnJ0UE8xbFItS05WQWE4LURVcWE4WXgzRUhLX05GVnpUcXhkTGptRQ?oc=5) · thedailypost.digital
- 2026-06-22 [AmeriCU Credit Union eyes Capital Region for expansion - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRmVUcUF2VDZUWFE1SG1TWnhzVHBGTno1RXVyRU9iT0YxZUVmTnprOGtvSm1EU3Y4WXJUdVBWYlZGZGZFbXVLY29fcDdGQ1R0R3FsWlJlM2s1Rk9iTVhmdkRWXzhhTm5LeFd5RS1QZEFqSE93Yzk4a0RVdmprVy1LX1YzU2dPMHhCc1lNQ0dqNndQcXNV?oc=5) · The Business Journals
- 2026-01-28 [Syracuse Mets Unveil AmeriCU Credit Union Most Improved Student Program - MLB.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOalBEYzViUWNzTzlibV9PSWRtSkhpMThmZnlhNXpvNUpIaVRjcXYtU1p6Q21ZREhSYm9qOHF1SlJUcGhKc2ZYN0Y0bEJIeWRHeVZNNE9Gd1d3Q3pEd0ltYkszMzVsekFaT3JtZnpkVWtlQ2VBWlh5M1k1WVhDbTBYV0FMSS1UaGNWeDhEd2RWSkNRdXpxRjdBY04xdzhOQQ?oc=5) · MLB.com
- 2026-06-30 [Company news: AmeriCU Credit Union names new VPs and AVPs - Syracuse.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZnBjMDZ6UzBpci0tVHk0bkRLYlpGRUZXNk1XVGZBQ0lkWXA4XzhJS3BZTHIzeXdPd0tEM09EdmdzS2lmWlpuVXRqcHc2ZklPYlVPV3dDOXhaUUcxSHZQSEh2WDF3cFpLcDVNejRoNTdVSTAyWVZUNG5BSHRSeE1rRHQzLWQ4ZHpUUzJMRmJwdG90eUJwY29zNXV4UThBb1ZkVkV4Qzl30gG6AUFVX3lxTE9BdEZ4UXlQY2JGZUFEeWRqN1ZKdlBpeHhoeWZmamRUVkppNHlKQ0pEZndqdTlZOG16b2pvc0V5XzlkV1NGX1NmT0F3cFNGeU5xRlJtQzFoNXpfODRlak9fakI1TmhwR3k4NXBia1VVMDFDdnZPLXZORnZhNHNjR0tCTjBqdUJCb0w1WlJCTGFabnU2SHdoZlBwVnNDdWMyZVlBVUR3eWlFTGRzNENZbnA2dlNPMUFlS1ZnZw?oc=5) · Syracuse.com
- 2026-01-05 [AmeriCU and Mountain Valley Credit Union Merge - wktv.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOM3lxdUtfdGlLTjFmSEYzRWxGckRaOHpESFBXZkRRRGJNVnJzLXIyQjB2aHhWWTdOdjJwM1BjNDdsc0w4T2NzR2ZhcmlESnl1dEdQV08yUlB4SWhvci1KZ3lmcEdZN0dod1pwTFp0MHZMMlYwSTJXRUZTeGZmeFFvNHo4cVlucG9YemtxVm5nbVJZdkIwX2hiMEVndGdQdDdPMVNWQnBYd0xkM1FvMzhEUDJZX1kybWZSNmg1T3owamRtalVtZ0ww?oc=5) · wktv.com
- 2026-07-18 [AmeriCU Credit Union to host Keeseville Kids Day - Sun Community News](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYnc3Zjhoak1qZGU4Y2lmNWIwd1hjcDQzTVA5UGlnOXNxa0FmVHBYM1pHelJjTlBSNHpnZjVJcTNZSTkyMWEzcE55NkczRl9UUFZkQkp2U0JBVzEtYlpLSmZlQm9JdkF4OWtrU18xM2pOVl9QV0NHUGhZNnNTRDVFR3ZRNVlIRjBscFVaUUJGOEM3eWJr?oc=5) · Sun Community News
- 2026-04-29 [AmeriCU Credit Union helping members save - WSYR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNR3c0LVc2NFk3MENNaG52a3kzOXRORlNXS3QyaGpjYmgtbGpVdU5KNUlKWmdXdFNEYXhwY0ZGRG5xc3pNakNpdW51Zk4wOEJqNmJMSllzSElNQTVybmtFTmZncUxoYzRQNk5vb3NsbWJnclVEZGV5NURZZjJtcUdrUjF1MXo3Wl850gGOAUFVX3lxTE56VFgzZlRoT1A2VWo0S0dTSkRIdTZDeFVJMVVKOVhVa0lTeWtSY3Rmdk42aGRhWjQwV2tzMlJHQWhFLWVBU2gxNGdNSWhQRlZDSjJRYXFFeVFscVdubGs4MU11NU1GRU11N0tWNEpCaFc4TGh2dGxhLWMyc1RfZWJTdWtqQk1vOVd1S2pWVHc?oc=5) · WSYR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68433 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "68433", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68433
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide