Headquartered in Tuscaloosa, Alabama, City Credit Union is a federally insured state-chartered credit union with $21.3M in total assets and $15.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1950.
Based on its Q2 2026 filing, City Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 21st. Its strongest component is capital cushion (100/100; 23.98%), and its lowest is earnings (70/100; 1.25%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 86).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 83 |
| Q4 2024 | 82 |
| Q1 2025 | 85 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 88 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 22.28% |
| Q3 2024 | 23.26% |
| Q4 2024 | 24.57% |
| Q1 2025 | 24.10% |
| Q2 2025 | 24.32% |
| Q3 2025 | 25.01% |
| Q4 2025 | 25.60% |
| Q1 2026 | 24.54% |
| Q2 2026 | 23.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.89% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $21.3M | 23.98% | 0.79% | 1.25% | 68.8% |
| Q1 2026 | 86 | $20.5M | 24.54% | 0.61% | 1.18% | 75.3% |
| Q4 2025 | 88 | $19.4M | 25.60% | 0.41% | 1.37% | 85.0% |
| Q3 2025 | 87 | $19.5M | 25.01% | 0.37% | 1.26% | 86.2% |
| Q2 2025 | 87 | $19.9M | 24.32% | 0.40% | 1.30% | 85.4% |
| Q1 2025 | 85 | $19.7M | 24.10% | 0.23% | 0.89% | 85.6% |
| Q4 2024 | 82 | $19.1M | 24.57% | 0.34% | 0.62% | 89.1% |
| Q3 2024 | 83 | $20.0M | 23.26% | 0.01% | 0.49% | 91.7% |
| Q2 2024 | 83 | $20.8M | 22.28% | 0.10% | 0.59% | 90.4% |
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Railway Employees Credit UnionCredit union Muscle Shoals, AL | 82 out of 100, Strong | $21.1M | 22.0% | 0.97% | vs |
| East Alabama Community Federal Credit UnionCredit union Opelika, AL | 84 out of 100, Strong | $20.8M | 14.2% | 0.00% | vs |
| Covington Schools Federal Credit UnionCredit union Andalusia, AL | 54 out of 100, Below average | $22.4M | 31.6% | 6.12% | vs |
| Federal Employees Credit UnionCredit union Birmingham, AL | 70 out of 100, Strong | $19.7M | 16.6% | 1.67% | vs |
| Chattahoochee Federal Credit UnionCredit union Valley, AL | 87 out of 100, Very strong | $23.4M | 15.0% | 0.51% | vs |
| Ang Federal Credit UnionCredit union Birmingham, AL | 74 out of 100, Strong | $24.4M | 10.1% | 0.40% | vs |
Deposit insurance
Is my money safe at City Credit Union?
Yes. City Credit Union is a federally insured credit union (NCUA charter #62062). 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 0.5% of shares and deposits ($84K) 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 23.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
City Credit Union lists 2 offices in 1 city. Most locations:
- Tuscaloosa, AL (2)
Identity & history
Profile
- Legal name
- City Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62062
- RSSD ID
- 886893
- Primary regulator
- State + NCUA
- Established
- 1950
- Headquarters
- 2302 Jack Warner Pkwy, Tuscaloosa, AL 35401
- Employees
- 8
Quick answers
City Credit Union: common questions
Is City Credit Union NCUA insured?
Yes. City Credit Union is a federally insured credit union (NCUA charter #62062). 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 City Credit Union's TellerScore?
86 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 City Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tuscaloosa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL | 84 out of 100, Strong | $51.9M | 13.1% | 0.24% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |