Federal credit union · ALCOA, Tennessee · NCUA charter #20513
Alcoa Municipal Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $4.5M
- Total assets
- 852
- Members
- 18.9%
- Net-worth ratio
Alcoa Municipal Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.5M; members 852; net-worth ratio 18.92%; health rank #1,894 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,894 of 4,374 health · 2025Q4Alcoa Municipal Employees · health 85/100 · $4.5M · 2025Q4
- ASSETS 85/100
- MEM 18.9%
- RANK 0.19%
- PHOTO 2.57%
- BOOK $4.5M
- CHARTER 852
- NCUSIF #1,894/4,374
- CAMELS n/a
- HEALTH 20513
Call Report peers
Alcoa Municipal Employees carries $4.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alcoa Municipal Employees 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
Alcoa Municipal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20513 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Alcoa Municipal Employees: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 81.82% vs peer 63.60% (+18.22 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.14 pp (18.92% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for Alcoa Municipal Employees
- Tennessee health ordinal: #61 of 127.
- Tennessee assets place: #112 of 127.
- Membership ranks #112 of 127 among Tennessee CUs with a reported count (852 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Alcoa Municipal Employees: 2025Q4 → 2026Q1
Alcoa Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $4.5M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.63 pp (18.29% → 18.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.92% 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 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Alcoa Municipal Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.92% | -0.14 pp |
| Delinquency Rate | 0.19% | -1.62 pp |
| Return on Assets | 2.57% | +2.12 pp |
| Member Growth | -14.80% | - |
| Loan-to-Share Ratio | 81.82% | +18.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Alcoa Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.4M | - |
| 2025Q4 | $4.5M | 852 |
| 2024Q4 | $4.7M | 1,000 |
| 2023Q4 | $4.9M | 1,048 |
Credit Union Details
- Charter Number
- 20513
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- ALCOA
- Data Quarter
- 2025Q4
Branch Location
Alcoa Municipal Employees operates a single office in ALCOA, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE 727 UNIVERSAL STREET ALCOA TN 37701 (Main Office) | ALCOA, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Alcoa Municipal Employees nationwide neighbourhoods
Alcoa Municipal Employees's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Alcoa Municipal Employees ranks #1,894 of 4,374 nationally on financial health and #61 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Delta Refining Co Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Delta Refining Co Emp
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Alcoa Municipal Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Alcoa Municipal Employees carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,894 of 4,374; by total assets it ranks #3,931 of 4,374 nationally (same basis as /rankings/largest); and #112 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.92% net worth ratio and a 0.19% delinquency rate.
How does Alcoa Municipal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Alcoa Municipal Employees's 85/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Alcoa Municipal Employees?
Alcoa Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Alcoa Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Alcoa Municipal Employees?
Federal credit unions like Alcoa Municipal Employees 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. Alcoa Municipal Employees's net worth ratio of 18.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alcoa Municipal Employees offer compared to banks?
Credit unions like Alcoa Municipal Employees 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 Alcoa Municipal Employees 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.