State credit union · Alexandria, Minnesota · NCUA charter #64304

Alexandria Schools Employees

Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

89
Health / 100
$9.2M
Total assets
1,109
Members
14.6%
Net-worth ratio

Alexandria Schools Employees - Share Insurance Coverage

Below: composite supervisory bracket and risk-based capital for charter #64304, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.

NCUSIF coverage gauge for Alexandria Schools Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Alexandria Schools Employees holds approximately $7.9M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 14.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 14.6% · $7.9M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Alexandria Schools Employees - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 14.63% 30% weight
  • Asset quality (delinquency) 0.73% 25% weight
  • Earnings (ROA) 0.49% 15% weight
  • Member growth -0.98% 15% weight
  • Liquidity (loan-to-share) 92% 15% weight

Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 97.6%

This credit union's 14.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$9.2M
Total Assets
1,109
Members
$7.2M
Total Loans
$7.9M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.63% 30%
Delinquency Rate 0.73% 25%
Return on Assets 0.49% 15%
Member Growth -0.98% 15%
Loan-to-Share Ratio 91.92% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $9.2M 1,109
2024Q4 $8.7M 1,120
2023Q4 $8.8M 1,127

Credit Union Details

Charter Number
64304
Type
State
Field of Membership
Other
Peer Group
$2M–$10M
State
Minnesota
City
Alexandria
Data Quarter
2025Q4

What This Data Says About Alexandria Schools Employees

Charter #64304, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Alexandria Schools Employees, a state credit union in Alexandria, Minnesota with 1,109 members, $9.2M in total assets, and $7.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 89/100 (Excellent), helped by a net worth ratio of 14.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Two more numbers round out the picture: a 0.73% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 91.92% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.49% on net income of $46K 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 -0.98%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Minnesota

Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.

Compare Alexandria Schools Employees vs FIRST PACE

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 Schools Employees financially healthy?

Alexandria Schools Employees has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.63% and delinquency rate of 0.73%.

How does Alexandria Schools Employees compare to other credit unions?

On PlainCU's health composite, Alexandria Schools Employees lands at 89/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Schools Employees?

Membership eligibility for Alexandria Schools 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 Schools Employees directly for current membership requirements and application steps.

Is my money safe at Alexandria Schools Employees?

Federal credit unions like Alexandria Schools 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 Schools Employees's net worth ratio of 14.63% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Alexandria Schools Employees offer compared to banks?

Credit unions like Alexandria Schools 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 Schools 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.