State credit union · Alexandria, Louisiana · NCUA charter #62438
Alexandria Municipal Employees
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $31.7M
- Total assets
- 1,877
- Members
- 11.5%
- Net-worth ratio
Alexandria Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62438: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Alexandria Municipal Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)53
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)95
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.46% | 30% |
| Delinquency Rate | 1.90% | 25% |
| Return on Assets | 0.58% | 15% |
| Member Growth | 0.43% | 15% |
| Loan-to-Share Ratio | 66.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $31.7M | 1,877 |
| 2024Q4 | $30.4M | 1,869 |
| 2023Q4 | $29.9M | 1,858 |
Credit Union Details
- Charter Number
- 62438
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Alexandria
- Data Quarter
- 2025Q4
What This Data Says About Alexandria Municipal Employees
Charter #62438, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Alexandria Municipal Employees, a state credit union in Alexandria, Louisiana with 1,877 members, $31.7M in total assets, and $18.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 11.46% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.90% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 66.47% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.58% on net income of $183K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.43%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Louisiana
More federally-insured credit unions based in Louisiana, ordered by peer group match and asset size.
- TANGIPAHOA PARISH TEACHERSAMITE, LA · $10M–$50M71Health
- CUSACovington, LA · $10M–$50M62Health
- BEAUREGARD SCHOOL EMPLOYEESDERIDDER, LA · $10M–$50M89Health
- SOUTHERN TEACHERS & PARENTSBATON ROUGE, LA · $10M–$50M77Health
- NODASLIDELL, LA · $10M–$50M45Health
Compare Alexandria Municipal Employees vs TANGIPAHOA PARISH TEACHERS
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Alexandria Municipal Employees financially healthy?
Alexandria Municipal Employees scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.46% net worth ratio and a 1.90% delinquency rate.
How does Alexandria Municipal Employees compare to other credit unions?
Alexandria Municipal Employees scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Alexandria Municipal Employees?
Membership eligibility for Alexandria Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alexandria Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Alexandria Municipal Employees?
Federal credit unions like Alexandria 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. Alexandria Municipal Employees's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alexandria Municipal Employees offer compared to banks?
Credit unions like Alexandria 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 Alexandria Municipal Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.