Credit Union Safety Analysis
Is American Lake Credit Union Safe? Lakewood, Washington
Based on its Q2 2026 NCUA 5300 call report, American Lake Credit Union has a net worth ratio of 13.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.30%, 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, American Lake Credit Union's net worth ratio is 13.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.82%
- Delinquency ratio (60+ days) (Q2 2026): 2.30%
- Return on assets (Q2 2026): 0.34%
- Loan-to-share ratio (Q2 2026): 48.49%
American Lake Credit Union (NCUA charter 68371, established 1948) reported $59.6M in assets and 4,531 members for Q2 2026 from Lakewood, Washington. It ranks 56 of 73 credit unions in Washington by total assets. Total assets fell 3.1% from $61.5M on June 30, 2025. It has 317 fewer members than on June 30, 2025 (-6.5%). Its net worth ratio was up 0.25 percentage points from 13.57% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.3M of $23.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.30% 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: 13.97% for Q1 2026; 13.57% 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: 2.50% for Q1 2026; 4.37% 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: -0.62% for Q1 2026; 0.17% 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: 46.84% for Q1 2026; 48.12% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $9.3M
- Used vehicle loans: $6.0M
- New vehicle loans: $5.7M
- Unsecured credit card loans: $1.7M
- Other secured non-real estate loans and lines of credit: $731K
- Other unsecured loans and lines of credit: $293K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $59.6M | 13.82% | 2.30% | 0.34% | 48.49% |
| March 31, 2026 | $58.6M | 13.97% | 2.50% | -0.62% | 46.84% |
| December 31, 2025 | $59.6M | 13.89% | 3.42% | 0.09% | 46.17% |
| September 30, 2025 | $59.0M | 14.09% | 2.87% | -0.20% | 49.08% |
| June 30, 2025 | $61.5M | 13.57% | 4.37% | 0.17% | 48.12% |
| March 31, 2025 | $63.0M | 13.20% | 4.29% | -0.02% | 47.70% |
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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.
American Lake Credit Union profile
Regulator records: NCUA credit union profile (charter 68371) · FFIEC NIC profile (RSSD 947673)
Frequently asked questions
Is American Lake Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, American Lake Credit Union's net worth ratio is 13.82%, above the 7% NCUA threshold for well capitalized.
Is American Lake Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. American Lake Credit Union is a federally insured credit union (NCUA charter 68371): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are American Lake Credit Union's key safety ratios?
For Q2 2026, American Lake Credit Union reports net worth 13.82%, delinquency 2.30%, ROA 0.34%, loan-to-share 48.49%.
What happens to my money if American Lake Credit Union fails?
For Q2 2026, American Lake Credit Union held $49.0M in shares and deposits for 4,531 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.