State credit union · Austin, Minnesota · NCUA charter #64186
Austin City Employees
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $11.4M
- Total assets
- 774
- Members
- 18.8%
- Net-worth ratio
Austin City Employees scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.4M; members 774; net-worth ratio 18.80%; health rank #888 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#888 of 4,374 health · 2025Q4Austin City Employees · health 91/100 · $11.4M · 2025Q4
Call Report peers
Austin City Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Austin City Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Austin City Employees sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Austin City Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 71.09% here, 59.80% peer average (+11.29 pp).
Where Austin City Employees sits in Minnesota
- Minnesota health ordinal: #25 of 82.
- Assets rank #67 of 82 inside Minnesota ($11.4M reported).
- Membership ranks #71 of 82 among Minnesota CUs with a reported count (774 members).
- One place up in Minnesota, Duluth Police Department Employees (#24) ties at 91/100; one place down, North Memorial (#26) ties at 91/100.
How Austin City Employees's 5300 filing moved
Austin City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $11.4M (2025Q4) to $11.5M (2026Q1).
- Net-worth ratio shifted +0.41 pp (18.39% → 18.80%).
This credit union's 18.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Austin City Employees gives up 9 points in total. Member Growth costs the most, 9.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 15.2 pts
Austin City Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.80% | +3.94 pp |
| Delinquency Rate | 0.06% | -1.09 pp |
| Return on Assets | 1.63% | +0.92 pp |
| Member Growth | -1.78% | - |
| Loan-to-Share Ratio | 71.09% | +11.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Austin City Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.5M | - |
| 2025Q4 | $11.4M | 774 |
| 2024Q4 | $11.4M | 788 |
| 2023Q4 | $11.1M | 798 |
Credit Union Details
- Charter Number
- 64186
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- Austin
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Austin City Employees runs one office.
| Office | City |
|---|---|
| ACECU (Main Office) | Austin, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Other-state peers near Austin City Employees
Similar total assets
Similar health score
Using this data
- Austin City Employees ranks #888 of 4,374 nationally on financial health and #25 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metropolitan Services is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metropolitan Services
Frequently Asked Questions
Is Austin City Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Austin City Employees scores 91/100 (Excellent), with a 18.80% net worth ratio and 0.06% of loans delinquent. It ranks #888 of 4,374 nationally on health and #25 of 82 in Minnesota.
How does Austin City Employees compare to other credit unions?
Austin City Employees scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (71.09% vs 59.80%).
How can I join Austin City Employees?
Membership eligibility for Austin City Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Austin City Employees directly for current membership requirements and application steps.
Is my money safe at Austin City Employees?
Austin City Employees 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. Austin City Employees's net worth ratio of 18.80% 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.