Transparency

Where Your Money Goes and Why It Matters

America's Credit Union is owned by its members, not shareholders. Our annual reports show exactly how ACU stewards member deposits, reinvests in the community, and maintains the financial strength that earned a 5-Star BauerFinancial rating.

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Mount Rainier over the South Puget Sound
70+
Years of Service
3x
Forbes Best-In-State (2024, 2025, 2026)
5-Star
BauerFinancial Rating
NCUA
Federally Insured
Member Accountability

Annual Reports Archive

As a member-owned credit union, ACU publishes annual reports so every member can see where their money goes and how it is put to work.

2025 Annual Report

Read ACU's newest report: a strengthened financial foundation, the opening of the Tumwater branch in Thurston County, digital banking upgrades, and continued community investment across the South Puget Sound.

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2024 Annual Report

Review ACU's 2024 financial highlights, loan and deposit growth, community giving through the ACU Foundation, and strategic milestones from the year.

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2023 Annual Report

See how ACU served members in 2023 with audited financial statements, community impact highlights, and a year-over-year performance summary.

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2022 Annual Report

Explore ACU's 2022 results including asset growth, member expansion milestones, and the credit union's reinvestment in the South Sound community.

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Inside the Report

What You Will Find Inside

Each annual report gives members a complete view of how ACU performed, where it invested, and where it is headed. Here is what the reports cover.

  • Financial Performance - Audited statements, total assets, loan portfolio health, and capital ratios verified by independent auditors.
  • Community Impact - ACU Foundation giving, scholarship awards, volunteer hours, and financial education programs in the South Sound.
  • Strategic Direction - Board and CEO letter on priorities for the year ahead, technology investments, and branch expansion plans.
  • Member Growth - New member totals, product adoption, digital banking usage, and how ACU is growing to serve more people.
70+
Years Serving Members
5-Star
BauerFinancial Rated
NCUA
Federally Insured
2x
Forbes Best-In-State
Why It Matters

Why Transparency Matters at a Credit Union

Banks answer to shareholders. Credit unions answer to their members. That difference shapes everything about how ACU operates and reports.

Member-Owned Accountability

Every member is an equal owner with voting rights. Annual reports go to the people who own the institution, not outside investors.

Not-for-Profit Structure

ACU does not distribute profits to shareholders. Revenue is returned to members through better dividend rates, lower fees, and community programs.

NCUA Oversight

The National Credit Union Administration examines ACU regularly and insures member deposits up to $250,000 per ownership category.

Local Decision-Making

ACU's Board of Directors is elected by members from the community. Decisions are made locally, not at a distant corporate headquarters.

Community Reinvestment

Annual reports detail how ACU reinvests in the South Sound through the ACU Foundation, scholarships, financial literacy programs, and local partnerships.

Financial Strength Verification

Independent auditors verify ACU's financial statements each year. The 5-Star BauerFinancial rating confirms that verification from a second source.

★★★★★
“I chose ACU because they are transparent about how they operate. Knowing my credit union publishes its financials every year and answers to its members, not Wall Street, gives me real confidence in where my money sits.”
Elena S.
Member Since 2018
Common Questions

Annual Reports FAQ

Answers to the questions members ask most about ACU's annual reports and financial transparency.

Each ACU annual report includes audited financial statements, a summary of loan and deposit growth, community impact highlights, ACU Foundation giving totals, a letter from the Board Chair and CEO, and key performance metrics. The report gives members a clear view of how their credit union performed during the year.
ACU annual reports are available for free download on this page. Current reports include the 2025, 2024, 2023, and 2022 annual reports in PDF format. No login is required to view or download them.
America's Credit Union is a federally chartered credit union regulated by the National Credit Union Administration (NCUA). The NCUA conducts regular examinations of ACU's operations, finances, and compliance. ACU member deposits are insured by the NCUA up to $250,000 per ownership category.
NCUA stands for the National Credit Union Administration, a federal agency that insures deposits at federally insured credit unions. ACU deposits are insured by the NCUA up to $250,000 per individual depositor, per ownership category. This is the credit union equivalent of FDIC insurance at banks.
Credit unions are not-for-profit cooperatives owned by their members, so every member has equal ownership and voting rights regardless of account balance. Annual reports go directly to the member-owners, not to outside shareholders. Revenue is returned to members through better rates, lower fees, and community reinvestment rather than distributed as corporate profit.
Start with the letter from the Board Chair and CEO for a summary of the year. Then review the financial highlights section for key figures like total assets, loan growth, and deposit growth. The community section shows where ACU invested in the communities it serves. The audited financial statements at the end provide the detailed numbers behind the summary.
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Own a Piece of Your Financial Future

Join a credit union where you can see exactly where your money goes. As a member-owner, you get a vote, a voice, and a report every year that proves it.

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