TellerScore

A.A.E.C. Credit Union is a federally insured state-chartered credit union headquartered in Arlington Heigh, Illinois, in business for about 71 years. At the end of Q2 2026 it reported $118.9M in total assets and $102.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, A.A.E.C. Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 51st. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 5% uninsured), and its lowest is earnings (49/100; 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.03%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity100/100
Loans ÷ shares: 50.0% · 4.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 84).

TellerScore
808895Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202487
Q1 202582
Q2 202584
Q3 202583
Q4 202580
Q1 202682
Q2 202684
Net worth ratio
7.00%11.04%15.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.83%
Q3 202415.08%
Q4 202413.72%
Q1 202513.37%
Q2 202513.43%
Q3 202513.01%
Q4 202512.77%
Q1 202612.84%
Q2 202613.03%
Delinquent loans (60+ days)
0.02%0.08%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.03%
Q4 20240.02%
Q1 20250.15%
Q2 20250.05%
Q3 20250.05%
Q4 20250.06%
Q1 20260.07%
Q2 20260.02%
Return on assets
0.34%0.88%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.36%
Q4 20240.86%
Q1 20250.46%
Q2 20250.65%
Q3 20250.65%
Q4 20250.34%
Q1 20260.58%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$118.9M13.03%0.02%0.72%50.0%
Q1 202682$118.6M12.84%0.07%0.58%48.9%
Q4 202580$118.0M12.77%0.06%0.34%47.8%
Q3 202583$117.1M13.01%0.05%0.65%47.2%
Q2 202584$111.9M13.43%0.05%0.65%49.8%
Q1 202582$110.7M13.37%0.15%0.46%50.1%
Q4 202487$106.9M13.72%0.02%0.86%50.7%
Q3 202495$98.9M15.08%0.03%1.36%55.4%
Q2 202494$98.5M14.83%0.07%1.41%56.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.03%
70th
Problem loans0.02%
99th
Net charge-offs0.20%
70th
Return on assets0.72%
48th
Loans to deposits50.0%
90th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio0.1%
99th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs
Illinois Educators Credit UnionCredit union Springfield, IL59 out of 100, Moderate$120.3M10.6%0.87%vs
Central Credit Union of IllinoisCredit union Bellwood, IL75 out of 100, Strong$122.7M14.3%1.19%vs
Members "first" Community Credit UnionCredit union Quincy, IL92 out of 100, Very strong$111.6M25.4%0.03%vs
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs

Deposit insurance

Is my money safe at A.A.E.C. Credit Union?

Yes. A.A.E.C. Credit Union is a federally insured credit union (NCUA charter #60648). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.8% of shares and deposits ($4.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

A.A.E.C. Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
A.A.E.C. Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60648
RSSD ID
519397
Primary regulator
State + NCUA
Established
1955
Headquarters
1104 S Arlington Heights Rd, Arlington Heigh, IL 60005
Employees
15

Quick answers

A.A.E.C. Credit Union: common questions

Is A.A.E.C. Credit Union NCUA insured?

Yes. A.A.E.C. Credit Union is a federally insured credit union (NCUA charter #60648). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is A.A.E.C. Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does A.A.E.C. Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Arlington Heigh

InstitutionScoreAssetsCapitalProblem loansCompare
Pilgrim Baptist Credit UnionCredit union Chicago, IL100 out of 100, Very strong$263K25.8%0.00%vs
M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$418K18.5%—vs
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St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs