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
- DELQ 91/100
- ROA 18.8%
- ASSETS 0.06%
- MEM 1.63%
- RANK $11.4M
- PHOTO 774
- BOOK #888/4,374
- CHARTER PITTSBURGH
- NCUSIF 64186
Call Report peers
Austin City Employees in the assets neighbourhood
Austin City Employees's $11.4M assets sit next to PITTSBURGH ($11.4M) 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.
Austin City Employees 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
91 Top 23% higher than 77% 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
Austin City Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64186, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Austin City Employees's 5300 filing moved
Austin City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $11.4M (2025Q4) to $11.5M (2026Q1).
- Net-worth ratio shifted +0.41 pp (18.39% → 18.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Austin City Employees, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Austin City Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Austin City Employees carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #888 of 4,374; by total assets it ranks #3,484 of 4,374 nationally (same basis as /rankings/largest); and #67 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.80% net worth ratio and a 0.06% delinquency rate.
How does Austin City Employees compare to other credit unions?
PlainCU's health composite puts Austin City Employees at 91/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Austin City 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. Austin City Employees's net worth ratio of 18.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Austin City Employees offer compared to banks?
Credit unions like Austin City 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 Austin City Employees 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.