State credit union · Lakewood, Washington · NCUA charter #68371
American Lake
Health score 46/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $59.6M
- Total assets
- 4,594
- Members
- 14.0%
- Net-worth ratio
American Lake scores 46/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.6M; members 4,594; net-worth ratio 13.97%; health rank #4,305 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,305 of 4,374 health · 2025Q4American Lake · health 46/100 · $59.6M · 2025Q4
Call Report peers
American Lake in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American Lake vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); American Lake sits in 45-49 with 39 others.
46 1st percentile higher than 1% 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
American Lake vs $50M–$100M peers
- Net Worth Ratio leads the peer set - 13.97% here, 13.62% peer average (+0.35 pp).
- Largest lag: Loan-to-Share Ratio at 46.17% vs peer 62.60% (-16.43 pp).
Where American Lake sits in Washington
- Washington health ordinal: #75 of 75.
- Assets rank #57 of 75 inside Washington ($59.6M reported).
- Member book place in Washington: #49 of 75.
- No scored Washington credit union ranks lower; the next one up, PRIMESOURCE (#74) scores 61/100, 15 points higher.
How American Lake's 5300 filing moved
American Lake: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $59.6M (2025Q4) to $58.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.89% → 13.97%).
13.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 46/100 score is built
American Lake gives up 54 points in total. Delinquency Rate costs the most, 21.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.6 pts
- Return on Assets 2.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.3 pts
American Lake health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.97% | +0.35 pp |
| Delinquency Rate | 3.42% | +2.46 pp |
| Return on Assets | -0.27% | -0.93 pp |
| Member Growth | -5.90% | - |
| Loan-to-Share Ratio | 46.17% | -16.43 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
American Lake quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.6M | - |
| 2025Q4 | $59.6M | 4,594 |
| 2024Q4 | $62.0M | 4,882 |
| 2023Q4 | $64.5M | 5,373 |
Credit Union Details
- Charter Number
- 68371
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Lakewood
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for American Lake, spread across 2 cities.
| Office | City |
|---|---|
| ALCU - Lakewood (Main Office) | Lakewood, WA |
| ALCU - Camp Murray | Tacoma, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for American Lake
Using this data
- American Lake ranks #4,305 of 4,374 nationally on financial health and #75 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Responders Emergency Services is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Responders Emergency Services
Frequently Asked Questions
Is American Lake financially healthy?
On its 2025Q4 NCUA 5300 filing, American Lake scores 46/100 (Below Average), with a 13.97% net worth ratio and 3.42% of loans delinquent. It ranks #4,305 of 4,374 nationally on health and #75 of 75 in Washington.
How does American Lake compare to other credit unions?
American Lake scores 46/100, higher than 1% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (13.97% vs 13.62%). Its widest shortfall is loan-to-share ratio (46.17% vs 62.60%).
How can I join American Lake?
Membership eligibility for American Lake depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact American Lake directly for current membership requirements and application steps.
Is my money safe at American Lake?
American Lake is a state-chartered 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. American Lake's net worth ratio of 13.97% 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.