Headquartered in Columbia, Missouri, Academic Employees Credit Union is a federally insured state-chartered credit union with $17.2M in total assets and $15.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.
Academic Employees Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 57th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 1% uninsured); capital cushion contributes the least (25/100, 7.45%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 6 points (70 → 64), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 72 |
| Q4 2024 | 69 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 67 |
| Q4 2025 | 62 |
| Q1 2026 | 58 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 6.00% |
| Q3 2024 | 6.60% |
| Q4 2024 | 6.91% |
| Q1 2025 | 7.11% |
| Q2 2025 | 7.12% |
| Q3 2025 | 7.40% |
| Q4 2025 | 7.59% |
| Q1 2026 | 7.03% |
| Q2 2026 | 7.45% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.61% |
| Q4 2025 | 1.09% |
| Q1 2026 | 1.02% |
| Q2 2026 | 0.90% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.62% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $17.2M | 7.45% | 0.90% | 1.35% | 54.2% |
| Q1 2026 | 58 | $17.2M | 7.03% | 1.02% | 1.03% | 56.4% |
| Q4 2025 | 62 | $16.4M | 7.59% | 1.09% | 1.39% | 54.9% |
| Q3 2025 | 67 | $16.2M | 7.40% | 0.61% | 1.48% | 54.8% |
| Q2 2025 | 70 | $16.0M | 7.12% | 0.29% | 1.53% | 57.2% |
| Q1 2025 | 71 | $15.9M | 7.11% | 0.14% | 1.53% | 56.6% |
| Q4 2024 | 69 | $14.7M | 6.91% | 0.29% | 1.52% | 62.5% |
| Q3 2024 | 72 | $14.9M | 6.60% | 0.03% | 1.62% | 60.3% |
| Q2 2024 | 68 | $15.1M | 6.00% | 0.07% | 1.50% | 57.7% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stationery Credit UnionCredit union Saint Joseph, MO | 72 out of 100, Strong | $17.0M | 13.8% | 0.96% | vs |
| Catholic Family Credit UnionCredit union Kansas City, MO | 45 out of 100, Below average | $16.5M | 9.0% | 2.59% | vs |
| Independence Teachers Credit UnionCredit union Independence, MO | 92 out of 100, Very strong | $16.5M | 15.5% | 0.03% | vs |
| Patriot Credit UnionCredit union Saint Louis, MO | 59 out of 100, Moderate | $16.4M | 8.4% | 0.69% | vs |
| Burlington Northtown Community Credit UnionCredit union North Kansas Ci, MO | 85 out of 100, Very strong | $16.2M | 20.5% | 1.09% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
Deposit insurance
Is my money safe at Academic Employees Credit Union?
Yes. Academic Employees Credit Union is a federally insured credit union (NCUA charter #67695). 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 0.7% of shares and deposits ($108K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.45%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Academic Employees Credit Union lists 1 office in 1 city. Most locations:
- Columbia, MO (1)
Identity & history
Profile
- Legal name
- Academic Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67695
- RSSD ID
- 1228173
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- 2804 W Ash St, Columbia, MO 65203
- Employees
- 4
Quick answers
Academic Employees Credit Union: common questions
Is Academic Employees Credit Union NCUA insured?
Yes. Academic Employees Credit Union is a federally insured credit union (NCUA charter #67695). 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 Academic Employees Credit Union's TellerScore?
64 out of 100 (Moderate), 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 Academic Employees Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| Citizens Community BankBank Pilot Grove, MO | 79 out of 100, Strong | $142.6M | 11.6% | 0.27% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |
| Columbia Credit UnionCredit union Columbia, MO | 77 out of 100, Strong | $34.4M | 9.9% | 0.07% | vs |
| Multipli Federal Credit UnionCredit union Jefferson City, MO | 76 out of 100, Strong | $1.5B | 10.6% | 0.31% | vs |