Credit union · NCUA insured
American Lake Credit Union
A $58.6M credit union headquartered in Lakewood, WA, with 4,552 members and 1 branch in Washington. Best rates: CDs 3.85% and savings 0.45% APY.
American Lake Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#23 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About American Lake Credit Union
- Headquarters
- 9802 Gravelly Lake Dr SW, Lakewood, WA 98499-1704
- NCUA charter
- 68371
Branches
1 branch in Washington
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Washington
1 branch
- ALCU - LakewoodMain office9802 Gravelly Lake Dr SW, Lakewood, WA 98499Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.82% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.30% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio13.82%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.30%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of American Lake Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.