Headquartered in Alton, Illinois, Alton Municipal Employees Federal Credit Union is a federal credit union with $436K in total assets and $266K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.
Based on its Q2 2026 filing, Alton Municipal Employees Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 171st. Its strongest component is capital cushion (100/100; 38.44%), and its lowest is earnings (0/100; -1.50%).
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 10 points (66 → 56), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 58 |
| Q4 2024 | 80 |
| Q1 2025 | 75 |
| Q2 2025 | 66 |
| Q3 2025 | 73 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 56 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 36.30% |
| Q3 2024 | 35.44% |
| Q4 2024 | 36.03% |
| Q1 2025 | 36.21% |
| Q2 2025 | 35.75% |
| Q3 2025 | 36.30% |
| Q4 2025 | 37.57% |
| Q1 2026 | 36.88% |
| Q2 2026 | 38.44% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.83% |
| Q4 2024 | 0.00% |
| Q1 2025 | 1.10% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.00% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.39% |
| Q3 2024 | -0.29% |
| Q4 2024 | 0.18% |
| Q1 2025 | 1.04% |
| Q2 2025 | -1.09% |
| Q3 2025 | -0.83% |
| Q4 2025 | -0.86% |
| Q1 2026 | -1.84% |
| Q2 2026 | -1.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $436K | 38.44% | 1.87% | -1.50% | 141.1% |
| Q1 2026 | 64 | $458K | 36.88% | 1.01% | -1.84% | 113.9% |
| Q4 2025 | 63 | $455K | 37.57% | 1.14% | -0.86% | 106.2% |
| Q3 2025 | 73 | $472K | 36.30% | 0.00% | -0.83% | 118.3% |
| Q2 2025 | 66 | $480K | 35.75% | 0.87% | -1.09% | 106.2% |
| Q1 2025 | 75 | $474K | 36.21% | 1.10% | 1.04% | 116.4% |
| Q4 2024 | 80 | $484K | 36.03% | 0.00% | 0.18% | 97.5% |
| Q3 2024 | 58 | $487K | 35.44% | 1.83% | -0.29% | 110.2% |
| Q2 2024 | 83 | $482K | 36.30% | 1.14% | 2.39% | 121.8% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mt. Zion Credit UnionCredit union Zion, IL | 74 out of 100, Strong | $428K | 18.9% | 3.97% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Unified Homeowners of Illinois Federal Credit UnionCredit union Chicago, IL | 57 out of 100, Moderate | $460K | 7.2% | 0.00% | vs |
| Services Credit UnionCredit union Naperville, IL | 80 out of 100, Strong | $407K | 69.2% | 2.32% | vs |
| St. Mark Credit UnionCredit union Chicago, IL | 71 out of 100, Strong | $472K | 23.2% | 1.11% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Alton Municipal Employees Federal Credit Union?
Yes. Alton Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #10308). 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 38.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Alton Municipal Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Alton, IL (1)
Identity & history
Profile
- Legal name
- Alton Municipal Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10308
- RSSD ID
- 172082
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 3212 College Ave, Alton, IL 62002
- Employees
- 2
Quick answers
Alton Municipal Employees Federal Credit Union: common questions
Is Alton Municipal Employees Federal Credit Union NCUA insured?
Yes. Alton Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #10308). 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 Alton Municipal Employees Federal Credit Union's TellerScore?
56 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 Alton Municipal Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Alton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| State Employees Community Credit UnionCredit union Alton, IL | 89 out of 100, Very strong | $6.7M | 20.0% | 0.00% | vs |
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| Midwest Members Credit UnionCredit union Wood River, IL | 85 out of 100, Very strong | $226.6M | 13.6% | 0.44% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |