Alton Municipal Employees Federal Credit Union Alton, Illinois
Alton Municipal Employees Federal Credit Union is a federal credit union headquartered in Alton, IL, established in 1955 (NCUA charter 10308), and it is regulated and insured by the NCUA. At Q2 2026 it reported 270 members and total assets of $436K (down 9.1% from Q2 2025), the 173rd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 38.44% at Q2 2026, in the well capitalized band.
Also written as Alton Municipal Employees FCU
BankRegReports is independent of Alton Municipal Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10308
- Headquarters
- Alton, IL
- Established
- 1955
- Total assets, Q2 2026
- $436K
- Assets vs Q2 2025
- -9.1%
- Members, Q2 2026
- 270
- Net worth ratio, Q2 2026
- 38.44%
- Latest call report
- Q2 2026, NCUA 5300 · Alton Municipal Employees Federal Credit Union call report
- Asset rank in state
- 173rd of 185 in Illinois
- Routing number
- 281076141
- Branches
- 1
It has 23 more members than on June 30, 2025 (+9.3%). Its net worth ratio was up 2.69 percentage points from 35.75% on June 30, 2025. New vehicle loans are its largest loan category, $181K of $375K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.87% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 38.44% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Illinois
Frequently asked about Alton Municipal Employees Federal Credit Union
How big is Alton Municipal Employees Federal Credit Union?
At Q2 2026 it reported total assets of $436K and 270 members.
Where is Alton Municipal Employees Federal Credit Union headquartered?
It is headquartered in Alton, IL, United States.
When was Alton Municipal Employees Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Alton Municipal Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10308): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Alton Municipal Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Alton Municipal Employees Federal Credit Union well capitalized?
Its net worth ratio was 38.44% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Alton Municipal Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.87% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Alton Municipal Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 141.06% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Alton, IL 62002
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10308
- RSSD ID
- 172082
- Members
- 270
- Potential members
- 300
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 38.44% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.08% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.81% | 4.74% | 15th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.95% | 3.93% | 85th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.16% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.87% | 0.86% | 26th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.12% | 4.70% | 67th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 141.06% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$436K total assets against $480K; $266K total shares and deposits against $306K; $375K total loans against $325K.
$168K net worth against $172K.
38.44% net worth ratio against 35.75%.
141.06% loan-to-share ratio against 106.16%.
1.87% delinquency ratio against 0.87%.
-1.08% return on assets against -3.21%; -2.81% return on equity against -8.98%.
4.95% net interest margin against 5.11%.
270 members against 247.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 38.44% | -1.08% | 1.87% | 141.06% |
| March 31, 2026 | 36.88% | -1.84% | 1.01% | 113.91% |
| December 31, 2025 | 37.57% | -0.83% | 1.14% | 106.15% |
| September 30, 2025 | 36.30% | -0.28% | — | 118.29% |
| June 30, 2025 | 35.75% | -3.21% | 0.87% | 106.16% |
| March 31, 2025 | 36.21% | 1.04% | 1.10% | 116.40% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.