Charter 67470 · Garland, TX
America's Credit Union
America's Credit Union is a state-chartered credit union in Garland, Texas, with $428 million in assets and 31,035 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.01%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $428 million
- -0.1% in a year
- Members
- 31,035
- -1.6% in a year
- Net worth ratio
- 15.01%
- Peer median 11.65%
- Loans 60+ days late
- 0.59%
- Peer median 0.70%
- Loans outstanding
- $280 million
- +2.5% in a year
- Shares and deposits
- $362 million
- -0.3% in a year
- Branches
- 8
- 133 employees
- Opened
- 1934
- Texas charter
How America's Credit Union compares
NCUA groups credit unions by size; America's Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 15.01% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.59%, is lower than the group median of 0.70%. Loans grew 2.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 70 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $428 million | 31,035 | $280 million | 15.01% | 0.59% |
| Q1 2026 | $422 million | 31,666 | $279 million | 15.27% | 0.46% |
| Q4 2025 | $413 million | 31,255 | $277 million | 14.46% | 1.08% |
| Q3 2025 | $418 million | 31,404 | $274 million | 14.69% | 0.79% |
| Q2 2025 | $428 million | 31,549 | $273 million | 14.46% | 0.63% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.6 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for America's Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- CORPORATE OFFICE (main office)
2154 Forest Ln, Garland, TX 75042 - SPFD BRANCH OFFICE
2350 E Bennett St, Springfield, MO 65804 - Motley Branch Office
3001 Motley Dr Ste H, Mesquite, TX 75150 - CENTRAL
4040 N Central Expy Ste 100, Dallas, TX 75204 - LANCASTER
3200 W Pleasant Run Rd Ste 100, Lancaster, TX 75146 - Royal Branch
10501 N Central Expy Ste 100, Dallas, TX 75231 - White Rock Branch
8818 Garland Rd, Dallas, TX 75218 - South Fort Worth Branch
1216 Everman Pkwy, Fort Worth, TX 76140
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology