TellerScore

Headquartered in Childersburg, Alabama, Coosa Pines Federal Credit Union is a federal credit union with $420.8M in total assets and $356.6M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1950.

Based on its Q2 2026 filing, Coosa Pines Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 15th. Its strongest component is capital cushion (100/100; 16.20%), and its lowest is loan quality (71/100; 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.20%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings91/100
Return on assets (annualized): 1.77%
Funding & liquidity88/100
Loans ÷ shares: 72.3% · 7.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.37%

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 (89 → 88).

TellerScore
798692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202479
Q4 202483
Q1 202588
Q2 202589
Q3 202592
Q4 202588
Q1 202688
Q2 202688
Net worth ratio
7.00%11.62%16.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.96%
Q3 202415.26%
Q4 202415.47%
Q1 202515.56%
Q2 202516.07%
Q3 202516.23%
Q4 202516.11%
Q1 202615.98%
Q2 202616.20%
Delinquent loans (60+ days)
0.66%1.03%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20241.39%
Q4 20240.94%
Q1 20250.86%
Q2 20250.83%
Q3 20250.66%
Q4 20250.87%
Q1 20260.79%
Q2 20260.87%
Return on assets
1.12%1.64%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.22%
Q4 20241.12%
Q1 20251.66%
Q2 20251.82%
Q3 20252.15%
Q4 20251.74%
Q1 20261.63%
Q2 20261.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$420.8M16.20%0.87%1.77%72.3%
Q1 202688$413.6M15.98%0.79%1.63%71.3%
Q4 202588$399.9M16.11%0.87%1.74%73.4%
Q3 202592$393.1M16.23%0.66%2.15%73.2%
Q2 202589$378.9M16.07%0.83%1.82%73.1%
Q1 202588$379.4M15.56%0.86%1.66%72.0%
Q4 202483$371.5M15.47%0.94%1.12%72.3%
Q3 202479$371.2M15.26%1.39%1.22%71.3%
Q2 202483$370.5M14.96%0.96%1.16%69.6%

1,341 peers · $100 million – $1 billion

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 ratio16.20%
90th
Problem loans0.87%
38th
Net charge-offs0.70%
21st
Return on assets1.77%
94th
Loans to deposits72.3%
57th
Uninsured deposits7.3%
36th
Loan-loss reserves0.00%
50th
Texas ratio3.4%
57th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
TVA Community Credit UnionCredit union Muscle Shoals, AL90 out of 100, Very strong$429.0M18.4%0.32%vs
Aod Federal Credit UnionCredit union Bynum, AL89 out of 100, Very strong$466.7M16.4%0.53%vs
Alabama State Employees Credit UnionCredit union Montgomery, AL80 out of 100, Strong$471.2M12.0%0.31%vs
Winsouth Credit UnionCredit union Gadsden, AL68 out of 100, Moderate$479.4M10.4%0.65%vs
New Horizons Credit UnionCredit union Mobile, AL71 out of 100, Strong$304.1M10.8%0.37%vs
Auburn University Credit UnionCredit union Auburn, AL67 out of 100, Moderate$267.9M9.8%0.59%vs

Deposit insurance

Is my money safe at Coosa Pines Federal Credit Union?

Yes. Coosa Pines Federal Credit Union is a federally insured credit union (NCUA charter #6774). 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 7.3% of shares and deposits ($26.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Coosa Pines Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Coosa Pines Federal Credit Union reported 163 home-loan applications under HMDA (LEI 549300311KRYLZVODK22): 130 originated ($18,430,000 total), 7 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Coosa Pines Federal Credit Union
Type
Federal credit union
NCUA charter #
6774
RSSD ID
879381
Primary regulator
NCUA
Established
1950
Headquarters
33710 US Highway 280, Childersburg, AL 35044
Employees
59

Quick answers

Coosa Pines Federal Credit Union: common questions

Is Coosa Pines Federal Credit Union NCUA insured?

Yes. Coosa Pines Federal Credit Union is a federally insured credit union (NCUA charter #6774). 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 Coosa Pines Federal Credit Union's TellerScore?

88 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 Coosa Pines Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
Aod Federal Credit UnionCredit union Bynum, AL89 out of 100, Very strong$466.7M16.4%0.53%vs
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Railroad Credit UnionCredit union Irondale, AL87 out of 100, Very strong$100.6M14.4%0.07%vs
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