TellerScore

Headquartered in Birmingham, Alabama, Federal Employees Credit Union is a federally insured state-chartered credit union with $19.7M in total assets and $16.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.

Federal Employees Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 56th. Capital cushion contributes the most (100/100, 16.62%); earnings contributes the least (26/100, 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.62%
Loan quality44/100
Loans 60+ days delinquent ÷ total loans: 1.67%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity100/100
Loans ÷ shares: 59.2% · 0.9% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.40%

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 6 points (64 → 70), mostly because the loan quality component improved by 26 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202473
Q4 202466
Q1 202572
Q2 202564
Q3 202568
Q4 202562
Q1 202672
Q2 202670
Net worth ratio
7.00%12.26%17.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202417.51%
Q3 202417.21%
Q4 202417.16%
Q1 202516.76%
Q2 202515.70%
Q3 202516.50%
Q4 202516.81%
Q1 202616.76%
Q2 202616.62%
Delinquent loans (60+ days)
1.31%1.95%2.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.47%
Q3 20241.31%
Q4 20242.06%
Q1 20251.40%
Q2 20252.46%
Q3 20252.01%
Q4 20252.60%
Q1 20261.43%
Q2 20261.67%
Return on assets
0.08%0.16%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.08%
Q3 20240.12%
Q4 20240.11%
Q1 20250.11%
Q2 20250.18%
Q3 20250.23%
Q4 20250.12%
Q1 20260.11%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$19.7M16.62%1.67%0.15%59.2%
Q1 202672$19.4M16.76%1.43%0.11%59.2%
Q4 202562$19.4M16.81%2.60%0.12%60.1%
Q3 202568$19.8M16.50%2.01%0.23%56.9%
Q2 202564$20.7M15.70%2.46%0.18%53.0%
Q1 202572$19.3M16.76%1.40%0.11%58.9%
Q4 202466$18.8M17.16%2.06%0.11%61.4%
Q3 202473$18.8M17.21%1.31%0.12%61.9%
Q2 202471$18.4M17.51%1.47%0.08%62.7%

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 ratio16.62%
63rd
Problem loans1.67%
26th
Net charge-offs0.92%
15th
Return on assets0.15%
25th
Loans to deposits59.2%
50th
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio5.4%
27th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
East Alabama Community Federal Credit UnionCredit union Opelika, AL84 out of 100, Strong$20.8M14.2%0.00%vs
Railway Employees Credit UnionCredit union Muscle Shoals, AL82 out of 100, Strong$21.1M22.0%0.97%vs
City Credit UnionCredit union Tuscaloosa, AL86 out of 100, Very strong$21.3M24.0%0.79%vs
Covington Schools Federal Credit UnionCredit union Andalusia, AL54 out of 100, Below average$22.4M31.6%6.12%vs
Mobile Postal Credit UnionCredit union Mobile, AL57 out of 100, Moderate$16.7M13.2%2.87%vs
Chattahoochee Federal Credit UnionCredit union Valley, AL87 out of 100, Very strong$23.4M15.0%0.51%vs

Deposit insurance

Is my money safe at Federal Employees Credit Union?

Yes. Federal Employees Credit Union is a federally insured credit union (NCUA charter #62599). 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 0.9% of shares and deposits ($144K) 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 16.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Federal Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Federal Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62599
RSSD ID
910396
Primary regulator
State + NCUA
Established
1958
Headquarters
1509 4th Ave S, Birmingham, AL 35233
Employees
5

Quick answers

Federal Employees Credit Union: common questions

Is Federal Employees Credit Union NCUA insured?

Yes. Federal Employees Credit Union is a federally insured credit union (NCUA charter #62599). 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 Federal Employees Credit Union's TellerScore?

70 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 Federal Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Birmingham

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
Alabama Postal Credit UnionCredit union Birmingham, AL96 out of 100, Very strong$6.4M44.5%0.28%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%vs
Coosa Pines Federal Credit UnionCredit union Childersburg, AL88 out of 100, Very strong$420.8M16.2%0.87%vs
Railroad Credit UnionCredit union Irondale, AL87 out of 100, Very strong$100.6M14.4%0.07%vs