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
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).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 79 |
| Q4 2024 | 83 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 92 |
| Q4 2025 | 88 |
| Q1 2026 | 88 |
| Q2 2026 | 88 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.96% |
| Q3 2024 | 15.26% |
| Q4 2024 | 15.47% |
| Q1 2025 | 15.56% |
| Q2 2025 | 16.07% |
| Q3 2025 | 16.23% |
| Q4 2025 | 16.11% |
| Q1 2026 | 15.98% |
| Q2 2026 | 16.20% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.39% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.87% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.82% |
| Q3 2025 | 2.15% |
| Q4 2025 | 1.74% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $420.8M | 16.20% | 0.87% | 1.77% | 72.3% |
| Q1 2026 | 88 | $413.6M | 15.98% | 0.79% | 1.63% | 71.3% |
| Q4 2025 | 88 | $399.9M | 16.11% | 0.87% | 1.74% | 73.4% |
| Q3 2025 | 92 | $393.1M | 16.23% | 0.66% | 2.15% | 73.2% |
| Q2 2025 | 89 | $378.9M | 16.07% | 0.83% | 1.82% | 73.1% |
| Q1 2025 | 88 | $379.4M | 15.56% | 0.86% | 1.66% | 72.0% |
| Q4 2024 | 83 | $371.5M | 15.47% | 0.94% | 1.12% | 72.3% |
| Q3 2024 | 79 | $371.2M | 15.26% | 1.39% | 1.22% | 71.3% |
| Q2 2024 | 83 | $370.5M | 14.96% | 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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TVA Community Credit UnionCredit union Muscle Shoals, AL | 90 out of 100, Very strong | $429.0M | 18.4% | 0.32% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Alabama State Employees Credit UnionCredit union Montgomery, AL | 80 out of 100, Strong | $471.2M | 12.0% | 0.31% | vs |
| Winsouth Credit UnionCredit union Gadsden, AL | 68 out of 100, Moderate | $479.4M | 10.4% | 0.65% | vs |
| New Horizons Credit UnionCredit union Mobile, AL | 71 out of 100, Strong | $304.1M | 10.8% | 0.37% | vs |
| Auburn University Credit UnionCredit union Auburn, AL | 67 out of 100, Moderate | $267.9M | 9.8% | 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.
4 locations
Branches
Coosa Pines Federal Credit Union lists 4 offices in 4 cities. Most locations:
- Chelsea, AL (1)
- Childersburg, AL (1)
- Pell City, AL (1)
- Sylacauga, AL (1)
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
Highest-scoring banks and credit unions with branches near Childersburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Sycamore Federal Credit UnionCredit union Sycamore, AL | 87 out of 100, Very strong | $77.1M | 16.4% | 0.89% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |
| Engage Federal Credit UnionCredit union Natchitoches, LA | 86 out of 100, Very strong | $28.5M | 21.6% | 0.95% | vs |