Americu
Rome, NY · Charter 68433 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
$3.0BAssets
$2.6BLoans
$2.7BShares
$289.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of credit unions $1B-$10B in assets (rank 94 of 435).
- Widest gap: nonperforming loans / loans trails 95% of credit unions $1B-$10B in assets (rank 414 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.69%
Rank 279 of 435
Net Interest Margin
3.77%
Rank 104 of 435
Efficiency Ratio
63.50%
Rank 94 of 435
Equity / Assets
9.56%
Rank 345 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.55% | 0.81% | 1.14% | Beats 36% | 279 / 435 | |
| Return on Equity | 7.17% | 5.12% | 7.41% | 9.70% | Beats 47% | 231 / 435 | |
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 76% | 104 / 435 | |
| Efficiency Ratio | 63.50% | 65.25% | 71.39% | 77.86% | Beats 79% | 94 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.89% | 0.45% | 0.69% | 1.05% | Beats 5% | 414 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.56% | 9.81% | 10.84% | 12.63% | Beats 21% | 345 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.56% | 9.81% | 10.84% | 12.63% | Beats 21% | 345 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 96.76% | 78.33% | 88.38% | 95.61% | 78th pctl | 96 / 435 | |
| Loans / Assets | 84.86% | 67.69% | 74.58% | 80.80% | 89th pctl | 46 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |