Headquartered in Lakewood, Washington, American Lake Credit Union is a federally insured state-chartered credit union with $59.6M in total assets and $49.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1948.
American Lake Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 60th. Funding & liquidity contributes the most (100/100, 48% loans-to-deposits, 4% uninsured); earnings contributes the least (15/100, -0.13%).
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 7 points (52 → 59), mostly because the loan quality component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 54 |
| Q4 2024 | 51 |
| Q1 2025 | 50 |
| Q2 2025 | 52 |
| Q3 2025 | 55 |
| Q4 2025 | 54 |
| Q1 2026 | 55 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.70% |
| Q3 2024 | 14.52% |
| Q4 2024 | 13.92% |
| Q1 2025 | 13.20% |
| Q2 2025 | 13.57% |
| Q3 2025 | 14.09% |
| Q4 2025 | 13.89% |
| Q1 2026 | 13.97% |
| Q2 2026 | 13.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.30% |
| Q3 2024 | 5.38% |
| Q4 2024 | 4.85% |
| Q1 2025 | 4.29% |
| Q2 2025 | 4.37% |
| Q3 2025 | 2.87% |
| Q4 2025 | 3.42% |
| Q1 2026 | 2.50% |
| Q2 2026 | 2.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | -0.02% |
| Q4 2024 | -0.26% |
| Q1 2025 | -0.02% |
| Q2 2025 | 0.08% |
| Q3 2025 | -0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | -0.62% |
| Q2 2026 | -0.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $59.6M | 13.82% | 2.30% | -0.13% | 48.5% |
| Q1 2026 | 55 | $58.6M | 13.97% | 2.50% | -0.62% | 46.8% |
| Q4 2025 | 54 | $59.6M | 13.89% | 3.42% | 0.01% | 46.2% |
| Q3 2025 | 55 | $59.0M | 14.09% | 2.87% | -0.01% | 49.1% |
| Q2 2025 | 52 | $61.5M | 13.57% | 4.37% | 0.08% | 48.1% |
| Q1 2025 | 50 | $63.0M | 13.20% | 4.29% | -0.02% | 47.7% |
| Q4 2024 | 51 | $62.0M | 13.92% | 4.85% | -0.26% | 45.5% |
| Q3 2024 | 54 | $60.8M | 14.52% | 5.38% | -0.02% | 50.7% |
| Q2 2024 | 55 | $60.2M | 14.70% | 5.30% | 0.04% | 52.2% |
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 Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nordstrom Federal Credit UnionCredit union Everett, WA | 65 out of 100, Moderate | $59.6M | 8.8% | 0.12% | vs |
| Mill Town Credit UnionCredit union Everett, WA | 65 out of 100, Moderate | $59.9M | 22.5% | 2.18% | vs |
| Olympia Credit UnionCredit union Olympia, WA | 59 out of 100, Moderate | $56.3M | 8.2% | 0.39% | vs |
| Responders Emergency Services Credit UnionCredit union Spokane, WA | 87 out of 100, Very strong | $56.2M | 17.3% | 0.01% | vs |
| Blue Mountain Credit UnionCredit union College Place, WA | 64 out of 100, Moderate | $56.1M | 13.1% | 1.31% | vs |
| Spokane City Credit UnionCredit union Spokane, WA | 69 out of 100, Moderate | $65.9M | 10.6% | 0.11% | vs |
Deposit insurance
Is my money safe at American Lake Credit Union?
Yes. American Lake Credit Union is a federally insured credit union (NCUA charter #68371). 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 4.5% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
American Lake Credit Union lists 2 offices in 2 cities. Most locations:
- Lakewood, WA (1)
- Tacoma, WA (1)
Identity & history
Profile
- Legal name
- American Lake Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68371
- RSSD ID
- 947673
- Primary regulator
- State + NCUA
- Established
- 1948
- Headquarters
- PO box 98979, Lakewood, WA 98496
- Employees
- 14
Quick answers
American Lake Credit Union: common questions
Is American Lake Credit Union NCUA insured?
Yes. American Lake Credit Union is a federally insured credit union (NCUA charter #68371). 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 American Lake Credit Union's TellerScore?
59 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 American Lake Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lakewood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| Wcla Credit UnionCredit union Olympia, WA | 86 out of 100, Very strong | $141.9M | 17.5% | 0.29% | vs |
| Tacoma Longshoremen Credit UnionCredit union Tacoma, WA | 84 out of 100, Strong | $116.9M | 13.6% | 0.07% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Sound Banking CompanyBank Lakewood, WA | 82 out of 100, Strong | $45.2M | 12.1% | 0.00% | vs |