Alcoa, Tennessee · Peer group 2
Alcoa Municipal Employees Credit Union
Alcoa Municipal Employees Credit Union holds $4.4M in assets across 866 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1971. Charter number 20513, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.4M |
|---|---|
| Total loans | $3.2M |
| Total shares (deposits) | $3.6M |
| Net worth | $842K |
| Members | 866 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.8% | |
|---|---|---|
| Loans | 14.3% | higher than 95% of its peer group |
| Deposits | -9.3% | around the 12th percentile of its peer group |
| Members | -4.7% | around the 19th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 88.5% | around the 86th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.9% | around the 57th percentile of its peer group |
| Return on assets | 2.26% | higher than 95% of its peer group |
| Delinquency ratio | 1.11% | around the 55th percentile of its peer group |
| Cash / assets | 0.9% | lower than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Alcoa Municipal Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Hurd Employees Credit Union
Greeneville, TN
$4.5M · 422 members
- P.I.A.S. Credit Union
Brentwood, TN
$4.3M · 527 members
- Delta Refining Co Emp Credit Union
Memphis, TN
$4.7M · 259 members
- B. M. H. Credit Union
CLEVELAND, TN
$3.7M · 486 members
- Smart Choice Credit Union
CLEVELAND, TN
$3.7M · 890 members
- Basf Chattanooga Credit Union
CHATTANOOGA, TN
$3.5M · 407 members
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