State credit union · Arlington Heigh, Illinois · NCUA charter #60648
A.A.E.C.
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $118.0M
- Total assets
- 4,492
- Members
- 12.8%
- Net-worth ratio
A.A.E.C. scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $118.0M; members 4,492; net-worth ratio 12.84%; health rank #490 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#490 of 4,374 health · 2025Q4A.A.E.C. · health 94/100 · $118.0M · 2025Q4
Call Report peers
A.A.E.C. in the assets neighbourhood
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A.A.E.C. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); A.A.E.C. sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
A.A.E.C.: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.84 pp (0.06% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 47.82% vs peer 72.20% (-24.38 pp).
Illinois standing for A.A.E.C.
- Health composite ranks #19 of 192 among scored Illinois credit unions.
- Assets rank #52 of 192 inside Illinois ($118.0M reported).
- Membership ranks #71 of 192 among Illinois CUs with a reported count (4,492 members).
- One place up in Illinois, Israel Methcomm (#18) ties at 94/100; one place down, MEA (#20) ties at 94/100.
Quarter path for A.A.E.C.
A.A.E.C.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $118.0M (2025Q4) to $118.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (12.77% → 12.84%).
12.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
A.A.E.C. gives up 6 points in total. Loan-to-Share Ratio costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for A.A.E.C.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.84% | +0.73 pp |
| Delinquency Rate | 0.06% | -0.84 pp |
| Return on Assets | 0.78% | +0.16 pp |
| Member Growth | 3.62% | - |
| Loan-to-Share Ratio | 47.82% | -24.38 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - A.A.E.C.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $118.6M | - |
| 2025Q4 | $118.0M | 4,492 |
| 2024Q4 | $106.9M | 4,335 |
| 2023Q4 | $98.3M | 4,092 |
Credit Union Details
- Charter Number
- 60648
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Arlington Heigh
- Data Quarter
- 2025Q4
Branch Location
A.A.E.C. operates a single office in Arlington Heights, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| AAEC Credit Union Office (Main Office) | Arlington Heights, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- A.A.E.C. ranks #490 of 4,374 nationally on financial health and #19 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMMONWEALTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMONWEALTH
Frequently Asked Questions
Is A.A.E.C. financially healthy?
A.A.E.C. has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #490 of 4,374 nationally on health and #19 of 192 in Illinois. Its net worth ratio is 12.84% and its delinquency rate 0.06%.
How does A.A.E.C. compare to other credit unions?
A.A.E.C. scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.06% vs 0.89%). Its widest shortfall is loan-to-share ratio (47.82% vs 72.20%).
How can I join A.A.E.C.?
Membership eligibility for A.A.E.C. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact A.A.E.C. directly for current membership requirements and application steps.
Is my money safe at A.A.E.C.?
A.A.E.C. is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. A.A.E.C.'s net worth ratio of 12.84% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.