Credit Union Safety Analysis
Is Alton Municipal Employees Federal Credit Union Safe? Alton, Illinois
Based on its Q2 2026 NCUA 5300 call report, Alton Municipal Employees Federal Credit Union has a net worth ratio of 38.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.87%, 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, Alton Municipal Employees Federal Credit Union's net worth ratio is 38.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 38.44%
- Delinquency ratio (60+ days) (Q2 2026): 1.87%
- Return on assets (Q2 2026): -1.08%
- Loan-to-share ratio (Q2 2026): 141.06%
Alton Municipal Employees Federal Credit Union (NCUA charter 10308, established 1955) reported $436K in assets and 270 members for Q2 2026 from Alton, Illinois. It ranks 173 of 185 credit unions in Illinois by total assets. Total assets fell 9.1% from $480K on June 30, 2025. 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.
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: 36.88% for Q1 2026; 35.75% 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: 1.01% for Q1 2026; 0.87% 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: -1.84% for Q1 2026; -3.21% 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: 113.91% for Q1 2026; 106.16% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $181K
- Used vehicle loans: $114K
- Other unsecured loans and lines of credit: $52K
- Other secured non-real estate loans and lines of credit: $27K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $436K | 38.44% | 1.87% | -1.08% | 141.06% |
| March 31, 2026 | $458K | 36.88% | 1.01% | -1.84% | 113.91% |
| December 31, 2025 | $455K | 37.57% | 1.14% | -0.83% | 106.15% |
| September 30, 2025 | $472K | 36.30% | — | -0.28% | 118.29% |
| June 30, 2025 | $480K | 35.75% | 0.87% | -3.21% | 106.16% |
| March 31, 2025 | $474K | 36.21% | 1.10% | 1.04% | 116.40% |
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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.
Alton Municipal Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10308) · FFIEC NIC profile (RSSD 172082)
Frequently asked questions
Is Alton Municipal Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alton Municipal Employees Federal Credit Union's net worth ratio is 38.44%, above the 7% NCUA threshold for well capitalized.
Is Alton Municipal Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alton Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter 10308): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alton Municipal Employees Federal Credit Union's key safety ratios?
For Q2 2026, Alton Municipal Employees Federal Credit Union reports net worth 38.44%, delinquency 1.87%, ROA -1.08%, loan-to-share 141.06%.
What happens to my money if Alton Municipal Employees Federal Credit Union fails?
For Q2 2026, Alton Municipal Employees Federal Credit Union held $266K in shares and deposits for 270 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.