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
- ASSETS 94/100
- MEM 12.8%
- RANK 0.06%
- PHOTO 0.78%
- BOOK $118.0M
- CHARTER 4,492
- NCUSIF #490/4,374
- CAMELS TRIANGLE
- HEALTH 60648
Call Report peers
A.A.E.C. in the assets neighbourhood
A.A.E.C.'s $118.0M assets sit next to TRIANGLE ($118.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
A.A.E.C. vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
A.A.E.C. - Share Insurance Coverage
Charter #60648's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for A.A.E.C.
A.A.E.C.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $118.0M (2025Q4) to $118.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (12.77% → 12.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
A.A.E.C.'s nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($118.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is A.A.E.C. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, A.A.E.C. carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #490 of 4,374; by total assets it ranks #1,691 of 4,374 nationally (same basis as /rankings/largest); and #52 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.84% net worth ratio and a 0.06% delinquency rate.
How does A.A.E.C. compare to other credit unions?
Five weighted metrics from NCUA filings produce A.A.E.C.'s 94/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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.?
Federal credit unions like A.A.E.C. are 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."
What rates does A.A.E.C. offer compared to banks?
Credit unions like A.A.E.C. are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact A.A.E.C. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.