AmeriCU is headquartered in Rome and is the 12th largest credit union in the state of New York. It is also the 169th largest credit union in the nation. It was established in 1978 and as of March of 2025, it had grown to 416 employees and 169,402 members at 19 locations. AmeriCU's money market rates are 2X the national average, and it has a B health rating.
Membership in AmeriCU is open to anyone through membership in the American Consumer Council. Individuals who live, work, worship, or attend school in the New York counties of Cortland, Broome, Cayuga, Wayne, Hamilton, Chenango, Clinton, Essex, Franklin, Fulton, Lawrence, Herkimer, Jefferson, Montgomery, Lewis, Tompkins, Madison, Oneida, Onondaga, Oswego, Otsego, St. Schoharie, Seneca and, Tioga also qualify for membership.
See current membership details
Overall | |
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NCUA # | 68433 |
Year Chartered | 1978 |
Employees | 416 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.08% |
Return on Equity - YTD | 0.9% |
Annual Interest Income | $36.5MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $2.79B$2.68B |
Loans | Q1 2025vs Q1 2024 | $2.38B$2.26B |
Deposits | Q1 2025vs Q1 2024 | $2.42B$2.31B |
Equity Capital | Q1 2025vs Q1 2024 | $236.3MM$218.5MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $35.2MM$32.4MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $41.2MM$37.3MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $1.1MM$104K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.