Federal credit union · ALTON, Illinois · NCUA charter #10308
Alton Municipal Employees
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $455K
- Total assets
- 246
- Members
- 36.9%
- Net-worth ratio
Alton Municipal Employees scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $455K; members 246; net-worth ratio 36.88%; health rank #3,139 of 4,374; healthier than 26th of scored peers.
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#3,139 of 4,374 health · 2025Q4Alton Municipal Employees · health 76/100 · $455K · 2025Q4
Call Report peers
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Alton Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Alton Municipal Employees sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Alton Municipal Employees vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 106.15% vs peer 52.70% (+53.45 pp).
- Return on Assets trails the peer set - 0.20% here, 0.22% peer average (-0.03 pp).
Illinois standing for Alton Municipal Employees
- Health composite ranks #139 of 192 among scored Illinois credit unions.
- By total assets, Alton Municipal Employees is #178 of 192 in Illinois.
- Illinois membership ordinal: #176 of 192.
- One place up in Illinois, SCOTT (#138) scores 77/100, 1 point higher; one place down, St. Jude (#140) ties at 76/100.
Alton Municipal Employees: 2025Q4 → 2026Q1
Alton Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $455K (2025Q4) to $458K (2026Q1).
- Net-worth ratio shifted -0.69 pp (37.57% → 36.88%).
36.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Alton Municipal Employees gives up 24 points in total. Loan-to-Share Ratio costs the most, 6.8 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 10.4 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 8.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.88% | +13.95 pp |
| Delinquency Rate | 1.14% | -3.34 pp |
| Return on Assets | 0.20% | -0.03 pp |
| Member Growth | -0.40% | - |
| Loan-to-Share Ratio | 106.15% | +53.45 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Alton Municipal Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $458K | - |
| 2025Q4 | $455K | 246 |
| 2024Q4 | $484K | 247 |
| 2023Q4 | $471K | 250 |
Credit Union Details
- Charter Number
- 10308
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- Illinois
- City
- ALTON
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Alton Municipal Employees runs one office.
| Office | City |
|---|---|
| Alton municipal employees fcu (Main Office) | Alton, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
- M.W.P.H. GRAND LODGE OF ILLINOISCHICAGO, IL · Under $2M68Health
- MT. ZIONzion, IL · Under $2M53Health
- ST. MARKChicago, IL · Under $2M80Health
- UNIFIED HOMEOWNERS OF ILLINOISCHICAGO, IL · Under $2M70Health
- SERVICESNAPERVILLE, IL · Under $2M65Health
Compare Alton Municipal Employees vs M.W.P.H. GRAND LODGE OF ILLINOIS
Cross-state Call Report peers for Alton Municipal Employees
Using this data
- Alton Municipal Employees ranks #3,139 of 4,374 nationally on financial health and #139 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- M.W.P.H. Grand Lodge of Illinois is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with M.W.P.H. Grand Lodge of Illinois
Frequently Asked Questions
Is Alton Municipal Employees financially healthy?
Alton Municipal Employees has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,139 of 4,374 nationally on health and #139 of 192 in Illinois. Its net worth ratio is 36.88% and its delinquency rate 1.14%.
How does Alton Municipal Employees compare to other credit unions?
Alton Municipal Employees scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (106.15% vs 52.70%). Its widest shortfall is return on assets (0.20% vs 0.22%).
How can I join Alton Municipal Employees?
Alton Municipal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Alton Municipal Employees directly to confirm current membership steps.
Is my money safe at Alton Municipal Employees?
Alton 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. Alton Municipal Employees's net worth ratio of 36.88% 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.