State credit union · Clinton, Iowa · NCUA charter #65521
AEGIS
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $26.2M
- Total assets
- 3,685
- Members
- 17.4%
- Net-worth ratio
AEGIS scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.2M; members 3,685; net-worth ratio 17.37%; health rank #1,901 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,901 of 4,374 health · 2025Q4AEGIS · health 85/100 · $26.2M · 2025Q4
- NCUSIF 85/100
- CAMELS 17.4%
- HEALTH 1.86%
- NW 1.93%
- DELQ $26.2M
- ROA 3,685
- ASSETS #1,901/4,374
- MEM Louisiana Catholic
- RANK 65521
Call Report peers
AEGIS in the assets neighbourhood
AEGIS's $26.2M assets sit next to Louisiana Catholic ($26.2M) 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.
AEGIS 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
85 Top 46% higher than 54% 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
AEGIS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65521. See our deposit-insurance coverage note.
Where AEGIS diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +21.31 pp (81.11% vs 59.80%).
- Delinquency Rate trails the peer set - 1.86% here, 1.15% peer average (+0.71 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where AEGIS sits in Iowa
- Iowa health ordinal: #36 of 66.
- Assets rank #47 of 66 inside Iowa ($26.2M reported).
- Iowa membership ordinal: #38 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AEGIS: 2025Q4 → 2026Q1
AEGIS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $26.2M (2025Q4) to $27.2M (2026Q1).
- Net-worth ratio shifted +0.33 pp (17.04% → 17.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for AEGIS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.37% | +2.51 pp |
| Delinquency Rate | 1.86% | +0.71 pp |
| Return on Assets | 1.93% | +1.22 pp |
| Member Growth | 2.33% | - |
| Loan-to-Share Ratio | 81.11% | +21.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
AEGIS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.2M | - |
| 2025Q4 | $26.2M | 3,685 |
| 2024Q4 | $26.1M | 3,601 |
| 2023Q4 | $23.8M | 3,504 |
Credit Union Details
- Charter Number
- 65521
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- Clinton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for AEGIS.
| Office | City |
|---|---|
| Clinton (Main Office) | Clinton, IA |
| South Branch | Clinton, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near AEGIS
Two NCUA Call Report peer sets for AEGIS, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- AEGIS ranks #1,901 of 4,374 nationally on financial health and #36 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family Community
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 AEGIS financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - AEGIS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,901 of 4,374; by total assets it ranks #2,958 of 4,374 nationally (same basis as /rankings/largest); and #47 of 66 within Iowa. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.37% net worth ratio and 1.86% delinquency rate are the key drivers.
How does AEGIS compare to other credit unions?
85/100 is AEGIS's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 AEGIS?
Membership eligibility for AEGIS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AEGIS directly for current membership requirements and application steps.
Is my money safe at AEGIS?
Federal credit unions like AEGIS 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. AEGIS's net worth ratio of 17.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AEGIS offer compared to banks?
Credit unions like AEGIS 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 AEGIS 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.