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
- PHOTO 46/100
- BOOK 14.0%
- CHARTER 3.42%
- NCUSIF -0.27%
- CAMELS $59.6M
- HEALTH 4,594
- NW #4,305/4,374
- DELQ Raytown-Lee's Summit Community
- ROA 68371
Call Report peers
American Lake in the assets neighbourhood
American Lake's $59.6M assets sit next to Raytown-Lee's Summit Community ($59.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #68371's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How American Lake's 5300 filing moved
American Lake: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $59.6M (2025Q4) to $58.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.89% → 13.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 46.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
American Lake's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (46/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is American Lake financially healthy?
A 13.97% net worth ratio and a 3.42% delinquency rate feed into American Lake's financial health score of 46/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,305 of 4,374; by total assets it ranks #2,264 of 4,374 nationally (same basis as /rankings/largest); and #57 of 75 within Washington. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does American Lake compare to other credit unions?
Five weighted metrics from NCUA filings produce American Lake's 46/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like American Lake 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. American Lake's net worth ratio of 13.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American Lake offer compared to banks?
Credit unions like American Lake 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 American Lake directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.