Alcoa Municipal Employees Federal Credit Union (NCUA charter #20513) is based in Alcoa, Tennessee. Its Q2 2026 call report shows $4.5M in total assets and $3.7M in member shares and deposits and 1 office.
Alcoa Municipal Employees Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 7th. Capital cushion contributes the most (100/100, 18.91%); funding & liquidity contributes the least (74/100, 86% loans-to-deposits, 0% uninsured).
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 rose 5 points (89 → 94), mostly because the loan quality component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 99 |
| Q3 2024 | 99 |
| Q4 2024 | 90 |
| Q1 2025 | 87 |
| Q2 2025 | 89 |
| Q3 2025 | 91 |
| Q4 2025 | 95 |
| Q1 2026 | 86 |
| Q2 2026 | 94 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.86% |
| Q3 2024 | 15.39% |
| Q4 2024 | 15.45% |
| Q1 2025 | 15.79% |
| Q2 2025 | 16.42% |
| Q3 2025 | 16.76% |
| Q4 2025 | 18.29% |
| Q1 2026 | 18.92% |
| Q2 2026 | 18.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.45% |
| Q2 2025 | 1.00% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.19% |
| Q1 2026 | 1.11% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.07% |
| Q3 2024 | 2.82% |
| Q4 2024 | 2.43% |
| Q1 2025 | 1.10% |
| Q2 2025 | 3.37% |
| Q3 2025 | 4.81% |
| Q4 2025 | 1.93% |
| Q1 2026 | 2.26% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $4.5M | 18.91% | 0.00% | 1.77% | 86.3% |
| Q1 2026 | 86 | $4.4M | 18.92% | 1.11% | 2.26% | 88.5% |
| Q4 2025 | 95 | $4.5M | 18.29% | 0.19% | 1.93% | 81.8% |
| Q3 2025 | 91 | $5.1M | 16.76% | 0.76% | 4.81% | 73.9% |
| Q2 2025 | 89 | $4.8M | 16.42% | 1.00% | 3.37% | 75.2% |
| Q1 2025 | 87 | $4.7M | 15.79% | 0.45% | 1.10% | 70.2% |
| Q4 2024 | 90 | $4.7M | 15.45% | 1.05% | 2.43% | 64.2% |
| Q3 2024 | 99 | $4.6M | 15.39% | 0.00% | 2.82% | 66.5% |
| Q2 2024 | 99 | $4.6M | 14.86% | 0.00% | 3.07% | 67.0% |
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 Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Delta Refining Co Emp Federal Credit UnionCredit union Memphis, TN | 80 out of 100, Strong | $4.6M | 21.4% | 0.00% | vs |
| Hurd Employees Credit UnionCredit union Greeneville, TN | 46 out of 100, Below average | $4.3M | 36.1% | 3.55% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| B. M. H. Federal Credit UnionCredit union Cleveland, TN | 79 out of 100, Strong | $3.7M | 21.2% | 0.94% | vs |
| Smart Choice Credit UnionCredit union Cleveland, TN | 54 out of 100, Below average | $3.4M | 9.4% | 1.03% | vs |
| TVA Mid-South Federal Credit UnionCredit union Memphis, TN | 85 out of 100, Very strong | $3.2M | 17.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Alcoa Municipal Employees Federal Credit Union?
Yes. Alcoa Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #20513). 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 0.0% of shares and deposits ($0) 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 18.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Alcoa Municipal Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Alcoa, TN (1)
Identity & history
Profile
- Legal name
- Alcoa Municipal Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20513
- RSSD ID
- 95088
- Primary regulator
- NCUA
- Established
- 1971
- Headquarters
- 727 Universal St, Alcoa, TN 37701
- Employees
- 2
Quick answers
Alcoa Municipal Employees Federal Credit Union: common questions
Is Alcoa Municipal Employees Federal Credit Union NCUA insured?
Yes. Alcoa Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #20513). 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 Alcoa Municipal Employees Federal Credit Union's TellerScore?
94 out of 100 (Very 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 Alcoa Municipal Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Alcoa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sevier County Schools Federal Credit UnionCredit union Sevierville, TN | 99 out of 100, Very strong | $13.9M | 21.8% | 0.09% | vs |
| Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN | 98 out of 100, Very strong | $36.6M | 20.2% | 0.08% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| New South Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $90.3M | 14.9% | 0.11% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |