Federal credit union · ALTON, Illinois · NCUA charter #10308

Alton Municipal Employees

Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

76
Health / 100
$455K
Total assets
246
Members
32.5%
Net-worth ratio

Alton Municipal Employees - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10308. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Alton Municipal Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Alton Municipal Employees holds approximately $284K in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 30.0% · $284K 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

Alton Municipal Employees - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 32.52% 30% weight
  • Asset quality (delinquency) 1.14% 25% weight
  • Earnings (ROA) 0.20% 15% weight
  • Member growth -0.40% 15% weight
  • Liquidity (loan-to-share) 106% 15% weight

Weighted composite: 76/100 - 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 100.0%

32.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$455K
Total Assets
246
Members
$302K
Total Loans
$284K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 32.52% 30%
Delinquency Rate 1.14% 25%
Return on Assets 0.20% 15%
Member Growth -0.40% 15%
Loan-to-Share Ratio 106.15% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Alton Municipal Employees

The five-factor composite scores Alton Municipal Employees at 76/100 (Very Good), reflecting a net worth ratio of 32.52% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in ALTON, Illinois, reports 246 members, $455K in total assets, and $302K in outstanding loans as of Q4 2025 under charter #10308 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

Deposits deployed into lending sit at a 106.15% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.14% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.20% on net income of $889 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 -0.40%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Illinois

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

Compare Alton Municipal Employees vs M.W.P.H. GRAND LODGE OF ILLINOIS

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 Alton Municipal Employees financially healthy?

Alton Municipal Employees has a financial health score of 76/100 (Very Good) 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 32.52% and delinquency rate of 1.14%.

How does Alton Municipal Employees compare to other credit unions?

On PlainCU's health composite, Alton Municipal Employees lands at 76/100, compared to a peer group average for Under $2M 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 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?

Federal credit unions like Alton 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. Alton Municipal Employees's net worth ratio of 32.52% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Alton Municipal Employees offer compared to banks?

Credit unions like Alton 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 Alton 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.