Credit Union Safety Analysis
Is A A E C Credit Union Safe? Arlington Heights, Illinois
Based on its Q2 2026 NCUA 5300 call report, A A E C Credit Union has a net worth ratio of 13.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.02%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, A A E C Credit Union's net worth ratio is 13.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.02%
- Return on assets (Q2 2026): 0.86%
- Loan-to-share ratio (Q2 2026): 50.03%
A A E C Credit Union (NCUA charter 60648, established 1955) reported $118.9M in assets and 4,538 members for Q2 2026 from Arlington Heights, Illinois. It ranks 51 of 185 credit unions in Illinois by total assets. Total assets grew 6.2% from $111.9M on June 30, 2025. It has 292 more members than on June 30, 2025 (+6.9%). Its net worth ratio was down 0.40 percentage points from 13.43% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $35.8M of $51.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.02% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.84% for Q1 2026; 13.43% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.07% for Q1 2026; 0.05% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.58% for Q1 2026; 0.83% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 48.87% for Q1 2026; 49.82% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $35.8M
- Used vehicle loans: $5.5M
- New vehicle loans: $4.6M
- Other unsecured loans and lines of credit: $4.0M
- Unsecured credit card loans: $807K
- Other secured non-real estate loans and lines of credit: $463K
- Non-federally guaranteed student loans: $21K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $118.9M | 13.03% | 0.02% | 0.86% | 50.03% |
| March 31, 2026 | $118.6M | 12.84% | 0.07% | 0.58% | 48.87% |
| December 31, 2025 | $118.0M | 12.77% | 0.06% | -0.55% | 47.82% |
| September 30, 2025 | $117.1M | 13.01% | 0.05% | 0.70% | 47.17% |
| June 30, 2025 | $111.9M | 13.43% | 0.05% | 0.83% | 49.82% |
| March 31, 2025 | $110.7M | 13.37% | 0.15% | 0.46% | 50.10% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60648) · FFIEC NIC profile (RSSD 519397)
Frequently asked questions
Is A A E C Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, A A E C Credit Union's net worth ratio is 13.03%, above the 7% NCUA threshold for well capitalized.
Is A A E C Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. A A E C Credit Union is a federally insured credit union (NCUA charter 60648): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are A A E C Credit Union's key safety ratios?
For Q2 2026, A A E C Credit Union reports net worth 13.03%, delinquency 0.02%, ROA 0.86%, loan-to-share 50.03%.
What happens to my money if A A E C Credit Union fails?
For Q2 2026, A A E C Credit Union held $102.3M in shares and deposits for 4,538 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.