TellerScore

Councill Federal Credit Union (NCUA charter #9554) is based in Normal, Alabama. Its Q2 2026 call report shows $2.8M in total assets and $2.4M in member shares and deposits and 2 offices across 2 states.

Councill Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 37th. Capital cushion contributes the most (100/100, 15.74%); loan quality contributes the least (19/100, 2.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.74%
Loan quality19/100
Loans 60+ days delinquent ÷ total loans: 2.43%
Earnings100/100
Return on assets (annualized): 2.53%
Funding & liquidity100/100
Loans ÷ shares: 27.0% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.20%

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

From Q2 2025 to Q2 2026, the score rose 2 points (77 → 79), mostly because the earnings component improved by 100 points.

TellerScore
526986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202452
Q4 202466
Q1 202554
Q2 202577
Q3 202575
Q4 202574
Q1 202686
Q2 202679
Net worth ratio
7.00%13.61%20.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.78%
Q3 202420.22%
Q4 202417.16%
Q1 202519.82%
Q2 202518.78%
Q3 202517.45%
Q4 202515.01%
Q1 202616.42%
Q2 202615.74%
Delinquent loans (60+ days)
0.35%5.54%10.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 202410.17%
Q3 202410.73%
Q4 20242.09%
Q1 20253.74%
Q2 20250.35%
Q3 20250.54%
Q4 20250.71%
Q1 20261.61%
Q2 20262.43%
Return on assets
-2.50%0.14%2.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.34%
Q3 2024-0.67%
Q4 20240.04%
Q1 2025-2.50%
Q2 2025-2.35%
Q3 2025-2.14%
Q4 2025-0.59%
Q1 20262.78%
Q2 20262.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$2.8M15.74%2.43%2.53%27.0%
Q1 202686$2.8M16.42%1.61%2.78%29.7%
Q4 202574$2.8M15.01%0.71%-0.59%28.4%
Q3 202575$2.7M17.45%0.54%-2.14%29.5%
Q2 202577$2.6M18.78%0.35%-2.35%34.4%
Q1 202554$2.5M19.82%3.74%-2.50%34.5%
Q4 202466$2.8M17.16%2.09%0.04%37.1%
Q3 202452$2.4M20.22%10.73%-0.67%35.2%
Q2 202452$2.6M18.78%10.17%-1.34%34.4%

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).

Capital ratio15.74%
59th
Problem loans2.43%
16th
Net charge-offs0.00%
77th
Return on assets2.53%
98th
Loans to deposits27.0%
91st
Uninsured deposits0.0%
81st
Loan-loss reserves8.68%
98th
Texas ratio3.2%
41st

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
U S Pipe Bessemer Employees Federal Credit UnionCredit union Bessemer, AL64 out of 100, Moderate$3.1M23.0%8.36%vs
Andalusia Mills Employees Credit As Federal Credit UnionCredit union Andalusia, AL87 out of 100, Very strong$3.2M20.5%0.35%vs
Demopolis Federal Credit UnionCredit union Demopolis, AL92 out of 100, Very strong$3.3M54.9%0.54%vs
Nucor Employees Federal Credit UnionCredit union Fort Payne, AL86 out of 100, Very strong$2.2M30.7%0.00%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
North Alabama Papermakers Federal Credit UnionCredit union Stevenson, AL77 out of 100, Strong$2.2M25.5%0.00%vs

Deposit insurance

Is my money safe at Councill Federal Credit Union?

Yes. Councill Federal Credit Union is a federally insured credit union (NCUA charter #9554). 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 0.0% of shares and deposits ($0) 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 15.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Councill Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Councill Federal Credit Union
Type
Federal credit union
NCUA charter #
9554
RSSD ID
21881
Primary regulator
NCUA
Established
1954
Headquarters
Po Box 267, Normal, AL 35762
Employees
2

Quick answers

Councill Federal Credit Union: common questions

Is Councill Federal Credit Union NCUA insured?

Yes. Councill Federal Credit Union is a federally insured credit union (NCUA charter #9554). 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 Councill Federal Credit Union's TellerScore?

79 out of 100 (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 Councill Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.