East Alabama Community Federal Credit Union is a federal credit union headquartered in Opelika, Alabama, in business for about 68 years. At the end of Q2 2026 it reported $20.8M in total assets and $17.8M in member shares and deposits, with 1 office.
East Alabama Community Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 30th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (34/100, 0.36%).
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 (84 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 88 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 83 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.88% |
| Q3 2024 | 14.03% |
| Q4 2024 | 14.41% |
| Q1 2025 | 14.07% |
| Q2 2025 | 14.25% |
| Q3 2025 | 14.06% |
| Q4 2025 | 14.49% |
| Q1 2026 | 13.98% |
| Q2 2026 | 14.19% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $20.8M | 14.19% | 0.00% | 0.36% | 33.4% |
| Q1 2026 | 84 | $21.0M | 13.98% | 0.00% | 0.42% | 32.2% |
| Q4 2025 | 83 | $20.1M | 14.49% | 0.20% | 0.33% | 32.9% |
| Q3 2025 | 84 | $20.8M | 14.06% | 0.00% | 0.37% | 30.1% |
| Q2 2025 | 84 | $20.2M | 14.25% | 0.04% | 0.24% | 31.1% |
| Q1 2025 | 84 | $20.4M | 14.07% | 0.00% | 0.27% | 31.3% |
| Q4 2024 | 88 | $19.9M | 14.41% | 0.00% | 0.67% | 34.5% |
| Q3 2024 | 86 | $20.3M | 14.03% | 0.10% | 0.69% | 34.6% |
| Q2 2024 | 86 | $20.3M | 13.88% | 0.04% | 0.74% | 36.1% |
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 |
| City Credit UnionCredit union Tuscaloosa, AL | 86 out of 100, Very strong | $21.3M | 24.0% | 0.79% | vs |
| Federal Employees Credit UnionCredit union Birmingham, AL | 70 out of 100, Strong | $19.7M | 16.6% | 1.67% | vs |
| Covington Schools Federal Credit UnionCredit union Andalusia, AL | 54 out of 100, Below average | $22.4M | 31.6% | 6.12% | 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 East Alabama Community Federal Credit Union?
Yes. East Alabama Community Federal Credit Union is a federally insured credit union (NCUA charter #12383). 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 2.0% of shares and deposits ($347K) 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 14.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
East Alabama Community Federal Credit Union lists 1 office in 1 city. Most locations:
- Opelika, AL (1)
Identity & history
Profile
- Legal name
- East Alabama Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12383
- RSSD ID
- 364289
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- P.O. Box 2588, Opelika, AL 36803
- Employees
- 6
Quick answers
East Alabama Community Federal Credit Union: common questions
Is East Alabama Community Federal Credit Union NCUA insured?
Yes. East Alabama Community Federal Credit Union is a federally insured credit union (NCUA charter #12383). 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 East Alabama Community Federal Credit Union's TellerScore?
84 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 East Alabama Community Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Opelika
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chattahoochee Federal Credit UnionCredit union Valley, AL | 87 out of 100, Very strong | $23.4M | 15.0% | 0.51% | vs |
| The Southern Credit UnionCredit union Fayetteville, GA | 76 out of 100, Strong | $560.2M | 11.6% | 0.10% | vs |
| AuburnBankBank Auburn, AL | 74 out of 100, Strong | $1.1B | 10.7% | 0.01% | vs |
| Metro City BankBank Doraville, GA | 73 out of 100, Strong | $4.5B | 11.1% | 0.44% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| The Bridgeway Federal Credit UnionCredit union Phenix City, AL | 72 out of 100, Strong | $62.3M | 16.3% | 1.01% | vs |