State credit union · Columbia, Missouri · NCUA charter #67695
Academic Employees
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $16.4M
- Total assets
- 1,393
- Members
- 7.0%
- Net-worth ratio
Academic Employees scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.4M; members 1,393; net-worth ratio 7.03%; health rank #3,374 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,374 of 4,374 health · 2025Q4Academic Employees · health 74/100 · $16.4M · 2025Q4
Call Report peers
Academic Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Academic Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Academic Employees sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Academic Employees: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.36% here, 0.70% peer average (+0.66 pp).
- Widest shortfall vs peers is Net Worth Ratio: -7.83 pp (7.03% vs 14.86%).
Academic Employees: in-state Call Report ranks
- In Missouri, health place is #70 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, Academic Employees is #64 of 89 in Missouri.
- Member book place in Missouri: #69 of 89.
- One place up in Missouri, NEIGHBORS (#69) ties at 74/100; one place down, Health Care Family (#71) scores 73/100, 1 point lower.
Academic Employees Call Report trajectory
Academic Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $16.4M (2025Q4) to $17.2M (2026Q1).
- Net-worth ratio shifted -0.56 pp (7.59% → 7.03%).
7.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Academic Employees gives up 26 points in total. Member Growth costs the most, 9.7 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 22.6 pts
- Delinquency Rate 19.3 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 11.8 pts
Call Report ratios for Academic Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.03% | -7.83 pp |
| Delinquency Rate | 1.09% | -0.05 pp |
| Return on Assets | 1.36% | +0.66 pp |
| Member Growth | -2.04% | - |
| Loan-to-Share Ratio | 54.93% | -4.87 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Academic Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.2M | - |
| 2025Q4 | $16.4M | 1,393 |
| 2024Q4 | $14.7M | 1,422 |
| 2023Q4 | $14.3M | 1,410 |
Credit Union Details
- Charter Number
- 67695
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Columbia
- Data Quarter
- 2025Q4
Branch Location
Academic Employees operates a single office in Columbia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Academic Employees Credit Union (Main Office) | Columbia, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Cross-state Call Report peers for Academic Employees
Using this data
- Academic Employees ranks #3,374 of 4,374 nationally on financial health and #70 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STATIONERY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STATIONERY
Frequently Asked Questions
Is Academic Employees financially healthy?
Academic Employees has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,374 of 4,374 nationally on health and #70 of 89 in Missouri. Its net worth ratio is 7.03% and its delinquency rate 1.09%.
How does Academic Employees compare to other credit unions?
Academic Employees scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.36% vs 0.70%). Its widest shortfall is net worth ratio (7.03% vs 14.86%).
How can I join Academic Employees?
Membership eligibility for Academic Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Academic Employees directly for current membership requirements and application steps.
Is my money safe at Academic Employees?
Academic Employees 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. Academic Employees's net worth ratio of 7.03% 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.