Charter 68433 · Rome, NY
Americu Credit Union
Americu Credit Union is a state-chartered credit union in Rome, New York, with $3.03 billion in assets and 210,014 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.56%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $3.03 billion
- +7.3% in a year
- Members
- 210,014
- +20.8% in a year
- Net worth ratio
- 9.56%
- Peer median 10.79%
- Loans 60+ days late
- 1.89%
- Peer median 0.67%
- Loans outstanding
- $2.57 billion
- +5.4% in a year
- Shares and deposits
- $2.65 billion
- +9.2% in a year
- Branches
- 23
- 479 employees
- Opened
- 1978
- New York charter
How Americu Credit Union compares
NCUA groups credit unions by size; Americu Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.56% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.89%, is higher than the group median of 0.67%. Loans grew 5.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 12 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $3.03 billion | 210,014 | $2.57 billion | 9.56% | 1.89% |
| Q1 2026 | $3.01 billion | 205,600 | $2.54 billion | 9.44% | 1.27% |
| Q4 2025 | $2.96 billion | 202,033 | $2.53 billion | 9.43% | 1.64% |
| Q3 2025 | $2.82 billion | 196,038 | $2.47 billion | 9.74% | 1.79% |
| Q2 2025 | $2.82 billion | 173,857 | $2.44 billion | 9.50% | 1.65% |
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 1.0 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 23 sites for Americu Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Headquarters (main office)
1916 Black River Blvd N, Rome, NY 13440 - Armory Square
200 Walton St, Syracuse, NY 13202 - Auburn
295 Grant Ave, Auburn, NY 13021 - Cicero
6414 State Route 31, Cicero, NY 13039 - Commercial Drive
4957 Commercial Dr, Yorkville, NY 13495 - Griffiss
231 Hill Rd, Rome, NY 13441 - North Utica
224 N Genesee St Ste 3, Utica, NY 13502 - Lowville
7394 Utica Blvd, Lowville, NY 13367 - Liverpool
7474 Oswego Rd, Liverpool, NY 13090 - Oneida
280 Genesee St, Oneida, NY 13421 - Herkimer
326 E State St, Herkimer, NY 13350 - Fort Drum
10690 Enduring Freedom Dr # B10750, Fort Drum, NY 13602 - Syracuse
6303 Thompson Rd, Syracuse, NY 13206 - Watertown
871 Arsenal St, Watertown, NY 13601 - Fayetteville
5439 N Burdick St, Fayetteville, NY 13066 - Camillus
5212 W Genesee St, Camillus, NY 13031 - Cazenovia
82 Albany St, Cazenovia, NY 13035 - Onondaga Hill
4865 W Seneca Tpke, Syracuse, NY 13215 - Cortland
3944 Ny-281, Cortland, NY 13045 - AuSable Forks
2499 State Route 9N, Au Sable Forks, NY 12912 - Keeseville FC
1716 Front St, Keeseville, NY 12944 - Peru FC
700 Bear Swamp Rd, Peru, NY 12972 - Wilmington FC
5790 Nys Route 86, Wilmington, NY 12997
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