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
Call Report peers
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
Alcoa Municipal Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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%).
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).
- One place up in Tennessee, Your Best Credit Union (#60) scores 86/100, 1 point higher; one place down, Northeast Community (#62) ties at 85/100.
Alcoa Municipal Employees: 2025Q4 → 2026Q1
Alcoa Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $4.5M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.63 pp (18.29% → 18.92%).
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
Alcoa Municipal Employees gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Alcoa Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Alcoa Municipal Employees scores 85/100 (Excellent), with a 18.92% net worth ratio and 0.19% of loans delinquent. It ranks #1,894 of 4,374 nationally on health and #61 of 127 in Tennessee.
How does Alcoa Municipal Employees compare to other credit unions?
Alcoa Municipal Employees scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (81.82% vs 63.60%). Its widest shortfall is net worth ratio (18.92% vs 19.06%).
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?
Alcoa Municipal Employees is a federal 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. Alcoa Municipal Employees's net worth ratio of 18.92% 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.