Credit Union Safety Analysis
Is Alexandria School Employees Credit Union Safe? Alexandria, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Alexandria School Employees Credit Union has a net worth ratio of 14.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.61%, 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, Alexandria School Employees Credit Union's net worth ratio is 14.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.95%
- Delinquency ratio (60+ days) (Q2 2026): 4.61%
- Return on assets (Q2 2026): 0.61%
- Loan-to-share ratio (Q2 2026): 93.66%
Alexandria School Employees Credit Union (NCUA charter 64304, established 1954) reported $9.3M in assets and 1,097 members for Q2 2026 from Alexandria, Minnesota. It ranks 65 of 79 credit unions in Minnesota by total assets. Total assets grew 4.2% from $8.9M on June 30, 2025. It has 16 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 0.33 percentage points from 14.62% on June 30, 2025. Used vehicle loans are its largest loan category, $3.6M of $7.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.61% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.72% for Q1 2026; 14.62% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.89% for Q1 2026; 0.51% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.99% for Q1 2026; 2.05% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 91.62% for Q1 2026; 94.47% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.6M
- 1- to 4-family residential and other consumer real estate loans: $1.7M
- Other secured non-real estate loans and lines of credit: $1.2M
- New vehicle loans: $793K
- Other unsecured loans and lines of credit: $44K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.3M | 14.95% | 4.61% | 0.61% | 93.66% |
| March 31, 2026 | $9.3M | 14.72% | 0.89% | 0.99% | 91.62% |
| December 31, 2025 | $9.2M | 14.63% | 0.73% | 0.91% | 91.92% |
| September 30, 2025 | $8.9M | 14.85% | 0.48% | 1.23% | 93.62% |
| June 30, 2025 | $8.9M | 14.62% | 0.51% | 2.05% | 94.47% |
| March 31, 2025 | $8.6M | 14.88% | 0.50% | 0.09% | 102.16% |
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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.
Alexandria School Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 64304) · FFIEC NIC profile (RSSD 94296)
Frequently asked questions
Is Alexandria School Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alexandria School Employees Credit Union's net worth ratio is 14.95%, above the 7% NCUA threshold for well capitalized.
Is Alexandria School Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alexandria School Employees Credit Union is a federally insured credit union (NCUA charter 64304): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alexandria School Employees Credit Union's key safety ratios?
For Q2 2026, Alexandria School Employees Credit Union reports net worth 14.95%, delinquency 4.61%, ROA 0.61%, loan-to-share 93.66%.
What happens to my money if Alexandria School Employees Credit Union fails?
For Q2 2026, Alexandria School Employees Credit Union held $7.9M in shares and deposits for 1,097 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.