AMERICU

Charter #68433 | NY

1B-3B (304 CUs) Mid-Market (380 CUs)
13 1B-3B in NY

AMERICU has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 1.3% in tier
  • + Organic Growth Engine: Top 5.1% in tier
  • + Net Interest Margin 0.14% above tier average
  • + Strong member growth: 17.3% YoY
  • + Total Loans: Top 0.0% in tier
  • + Member Growth Rate: Top 1.3% in tier
  • + Total Members: Top 1.3% in tier
  • + Total Deposits: Top 2.6% in tier
  • + Total Assets: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.7% in tier
  • - Liquidity Strain: Bottom 9.3% in tier
  • - ROA 0.19% below tier average
  • - Delinquency rate 0.97% above tier average
  • - AMR Growth Rate: Bottom 2.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 196,038
+17.3% YoY+12.8% QoQ
 +97.4K 98,678
-1.9% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Top 1.6% in tier
Assets $2.8B
+4.7% YoY-0.1% QoQ
 +$1.1B $1.7B
+0.5% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 4.9% in tier
Loans $2.5B
+7.1% YoY+1.5% QoQ
 +$1.2B $1.2B
+0.5% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 0.3% in tier
Deposits $2.4B
+5.6% YoY-0.2% QoQ
 +$972.4M $1.5B
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 3.0% in tier
ROA 0.5%
+8.7% YoY+60.8% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 3.4%
+15.2% YoY+3.2% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 66.3%
+1.4% YoY-4.5% QoQ
 -7.7% 74.0%
-10.9% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 20.4% in tier
Delinquency Rate 1.8%
-18.2% YoY+8.9% QoQ
 +1.0 0.8%
+6.1% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 5.6% in tier
Loan To Share 101.8%
+1.4% YoY+1.7% QoQ
 +16.6% 85.2%
-0.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 11.5% in tier
AMR $24,985
-9.3% YoY-10.8% QoQ
 $-4K $29,172
+2.8% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 37.0%
+0.3% YoY+2.1% QoQ
 +8.0% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 16.9% in tier
Indirect Auto % 0.0%
-81.5% YoY-38.1% QoQ
 -18.8% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 11.6% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#6 of 138 • Top 1.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 17.27%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#38 of 246 • Top 5.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 17.27%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.52%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.02%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (2)

Shrinking Wallet Share

decline
#6 of 83 • Bottom 1.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -9.31%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Strain

risk
#50 of 183 • Bottom 9.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.06%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (9 metrics)

1
Total Loans
balance_sheet
Value: $2.47B
Peer Avg: $1.23B
#1 of 304 Top 0.0% in 1B-3B tier
5
Member Growth Rate
growth
Value: 17.27%
Peer Avg: 2.20%
#5 of 304 Top 1.3% in 1B-3B tier
5
Total Members
engagement
Value: 196,038
Peer Avg: 98,678
#5 of 304 Top 1.3% in 1B-3B tier
9
Total Deposits
balance_sheet
Value: $2.43B
Peer Avg: $1.45B
#9 of 304 Top 2.6% in 1B-3B tier
15
Total Assets
balance_sheet
Value: $2.82B
Peer Avg: $1.72B
#15 of 304 Top 4.6% in 1B-3B tier
35
Loan-to-Share Ratio
balance_sheet
Value: 101.84%
Peer Avg: 85.19%
#35 of 304 Top 11.2% in 1B-3B tier
41
Indirect Auto Concentration (%)
balance_sheet
Value: 0.02%
Peer Avg: 18.32%
#41 of 304 Top 13.2% in 1B-3B tier
59
Members Per Employee (MPE)
engagement
Value: 428.967
Peer Avg: 364.953
#59 of 304 Top 19.1% in 1B-3B tier
63
Efficiency Ratio
profitability
Value: 66.29%
Peer Avg: 73.97%
#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (4 metrics)

297
AMR Growth Rate
growth
Value: -9.31%
Peer Avg: 3.29%
#297 of 304 Bottom 2.6% in 1B-3B tier
288
Total Delinquency Rate (60+ days)
risk
Value: 1.79%
Peer Avg: 0.83%
#288 of 304 Bottom 5.6% in 1B-3B tier
270
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.60%
#270 of 304 Bottom 11.5% in 1B-3B tier
261
Share Certificate Concentration (%)
balance_sheet
Value: 36.96%
Peer Avg: 28.53%
#261 of 304 Bottom 14.5% in 1B-3B tier