TellerScore

Headquartered in Austin, Minnesota, Austin City Employees Credit Union is a federally insured state-chartered credit union with $11.6M in total assets and $9.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1953.

Austin City Employees Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 3rd. Capital cushion contributes the most (100/100, 19.09%); funding & liquidity contributes the least (89/100, 71% loans-to-deposits, 3% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.09%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity89/100
Loans ÷ shares: 71.5% · 2.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 13 points (84 → 97), mostly because the loan quality component improved by 38 points.

TellerScore
849198Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202493
Q3 202492
Q4 202492
Q1 202589
Q2 202584
Q3 202593
Q4 202596
Q1 202698
Q2 202697
Net worth ratio
7.00%13.05%19.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.77%
Q3 202416.25%
Q4 202416.60%
Q1 202516.61%
Q2 202517.77%
Q3 202518.11%
Q4 202518.39%
Q1 202618.80%
Q2 202619.09%
Delinquent loans (60+ days)
0.00%0.57%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.38%
Q4 20240.37%
Q1 20250.12%
Q2 20251.14%
Q3 20250.35%
Q4 20250.06%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.98%1.45%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.41%
Q3 20241.59%
Q4 20241.63%
Q1 20250.98%
Q2 20251.55%
Q3 20251.70%
Q4 20251.80%
Q1 20261.92%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$11.6M19.09%0.00%1.86%71.5%
Q1 202698$11.5M18.80%0.00%1.92%69.5%
Q4 202596$11.4M18.39%0.06%1.80%71.1%
Q3 202593$11.3M18.11%0.35%1.70%70.1%
Q2 202584$11.2M17.77%1.14%1.55%73.8%
Q1 202589$11.6M16.61%0.12%0.98%69.9%
Q4 202492$11.4M16.60%0.37%1.63%71.9%
Q3 202492$11.4M16.25%0.38%1.59%71.7%
Q2 202493$11.4M15.77%0.07%1.41%69.6%

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).

Capital ratio19.09%
74th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.86%
92nd
Loans to deposits71.5%
31st
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Metropolitan Services Credit UnionCredit union Saint Paul, MN65 out of 100, Moderate$12.3M9.6%0.00%vs
Mower County Employees Credit UnionCredit union Austin, MN90 out of 100, Very strong$13.4M14.7%0.17%vs
Teamsters Credit UnionCredit union Blaine, MN67 out of 100, Moderate$13.5M9.6%0.43%vs
Alexandria Schools Employees Credit UnionCredit union Alexandria, MN55 out of 100, Moderate$9.3M14.9%4.61%vs
First Pace Credit UnionCredit union West St Paul, MN75 out of 100, Strong$8.7M18.9%0.25%vs
Electric Machinery Employees Credit UnionCredit union Minneapolis, MN71 out of 100, Strong$8.4M24.6%1.20%vs

Deposit insurance

Is my money safe at Austin City Employees Credit Union?

Yes. Austin City Employees Credit Union is a federally insured credit union (NCUA charter #64186). 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 2.9% of shares and deposits ($266K) 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 19.09%, 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

Austin City Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Austin City Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64186
RSSD ID
507394
Primary regulator
State + NCUA
Established
1953
Headquarters
711 4th Ave NE, Austin, MN 55912
Employees
4

Quick answers

Austin City Employees Credit Union: common questions

Is Austin City Employees Credit Union NCUA insured?

Yes. Austin City Employees Credit Union is a federally insured credit union (NCUA charter #64186). 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 Austin City Employees Credit Union's TellerScore?

97 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 Austin City Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Mower County Employees Credit UnionCredit union Austin, MN90 out of 100, Very strong$13.4M14.7%0.17%vs
Trades & Labor Federal Credit UnionCredit union Albert Lea, MN85 out of 100, Very strong$23.0M15.3%1.04%vs
Commerce BankBank Geneva, MN78 out of 100, Strong$220.0M13.9%0.60%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs
United Farmers State BankBank Adams, MN75 out of 100, Strong$233.8M10.3%0.33%vs
Farmers State BankBank Northwood, IA74 out of 100, Strong$221.4M12.7%0.77%vs