Austin City Employees Credit Union Austin, Minnesota
Austin City Employees Credit Union is a state-chartered credit union headquartered in Austin, MN, established in 1953 (NCUA charter 64186), and it is regulated and insured by the NCUA. At Q2 2026 it reported 775 members and total assets of $11.6M (up 3.6% from Q2 2025), the 64th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 19.09% at Q2 2026, in the well capitalized band.
Also written as Austin City Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64186
- Headquarters
- Austin, MN
- Established
- 1953
- Total assets, Q2 2026
- $11.6M
- Assets vs Q2 2025
- +3.6%
- Members, Q2 2026
- 775
- Net worth ratio, Q2 2026
- 19.09%
- Latest call report
- Q2 2026, NCUA 5300 · Austin City Employees Credit Union call report
- Asset rank in state
- 64th of 79 in Minnesota
- Routing number
- 291973289
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 1.32 percentage points from 17.77% on June 30, 2025. Used vehicle loans are its largest loan category, $2.4M of $6.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Minnesota
Frequently asked about Austin City Employees Credit Union
How big is Austin City Employees Credit Union?
At Q2 2026 it reported total assets of $11.6M and 775 members.
Where is Austin City Employees Credit Union headquartered?
It is headquartered in Austin, MN, United States.
When was Austin City Employees Credit Union founded?
It was established in 1953, per NCUA records.
Is Austin City Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64186): 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 Austin City Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Austin City Employees Credit Union well capitalized?
Its net worth ratio was 19.09% 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 Austin City Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Austin, MN 55912
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 64186
- RSSD ID
- 507394
- Members
- 775
- Potential members
- 4,281
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 5 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 19.09% | 14.31% | 74th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.81% | 0.72% | 88th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.49% | 4.74% | 78th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.79% | 3.93% | 81st top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 65.30% | 79.83% | 79th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.31% | 0.78% | 79th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.11% | 4.70% | 66th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 71.48% | 58.92% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$11.6M total assets against $11.2M; $9.3M total shares and deposits against $9.2M; $6.7M total loans against $6.8M.
$2.2M net worth against $2.0M.
19.09% net worth ratio against 17.77%.
71.48% loan-to-share ratio against 73.83%.
1.81% return on assets against 2.09%; 9.49% return on equity against 11.74%.
4.79% net interest margin against 4.97%.
775 members against 779.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.09% | 1.81% | — | 71.48% |
| March 31, 2026 | 18.80% | 1.92% | — | 69.47% |
| December 31, 2025 | 18.39% | 2.17% | 0.06% | 71.09% |
| September 30, 2025 | 18.11% | 2.01% | 0.35% | 70.12% |
| June 30, 2025 | 17.77% | 2.09% | 1.14% | 73.83% |
| March 31, 2025 | 16.61% | 0.98% | 0.12% | 69.91% |
Scroll sideways to see every column.
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.