TellerScore

Florence Federal Credit Union (NCUA charter #13167) is based in Florence, Alabama. Its Q2 2026 call report shows $65.9M in total assets and $57.0M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Florence Federal Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 41st. Its strongest component is funding & liquidity (100/100; 45% loans-to-deposits, 7% uninsured), and its lowest is earnings (36/100; 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Net worth ratio: 14.05%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity100/100
Loans ÷ shares: 45.0% · 6.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.88%

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 11 points (65 → 76), mostly because the loan quality component improved by 39 points.

TellerScore
627077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202472
Q4 202475
Q1 202562
Q2 202565
Q3 202568
Q4 202570
Q1 202676
Q2 202676
Net worth ratio
7.00%10.53%14.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.70%
Q3 202413.00%
Q4 202413.00%
Q1 202512.83%
Q2 202513.50%
Q3 202513.51%
Q4 202513.70%
Q1 202613.77%
Q2 202614.05%
Delinquent loans (60+ days)
0.30%1.18%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.95%
Q4 20240.60%
Q1 20251.90%
Q2 20252.06%
Q3 20251.61%
Q4 20251.46%
Q1 20260.78%
Q2 20260.90%
Return on assets
0.25%0.39%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.35%
Q4 20240.30%
Q1 20250.25%
Q2 20250.53%
Q3 20250.43%
Q4 20250.42%
Q1 20260.26%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$65.9M14.05%0.90%0.41%45.0%
Q1 202676$66.6M13.77%0.78%0.26%45.1%
Q4 202570$66.6M13.70%1.46%0.42%46.2%
Q3 202568$67.1M13.51%1.61%0.43%46.6%
Q2 202565$66.9M13.50%2.06%0.53%48.1%
Q1 202562$69.3M12.83%1.90%0.25%48.2%
Q4 202475$68.1M13.00%0.60%0.30%49.7%
Q3 202472$67.9M13.00%0.95%0.35%51.5%
Q2 202477$69.0M12.70%0.30%0.33%52.4%

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 ratio14.05%
48th
Problem loans0.90%
42nd
Net charge-offs0.33%
37th
Return on assets0.41%
37th
Loans to deposits45.0%
71st
Uninsured deposits6.5%
15th
Loan-loss reserves0.00%
37th
Texas ratio2.9%
43rd

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Sycamore Federal Credit UnionCredit union Sycamore, AL87 out of 100, Very strong$77.1M16.4%0.89%vs
Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL84 out of 100, Strong$51.9M13.1%0.24%vs
Champion Community Credit UnionCredit union Courtland, AL70 out of 100, Strong$51.0M14.8%1.91%vs

Deposit insurance

Is my money safe at Florence Federal Credit Union?

Yes. Florence Federal Credit Union is a federally insured credit union (NCUA charter #13167). 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 6.5% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.05%, 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

Florence Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Florence Federal Credit Union reported 18 home-loan applications under HMDA (LEI 254900L8E0QUT5VH5G34): 12 originated ($1,120,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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
Florence Federal Credit Union
Type
Federal credit union
NCUA charter #
13167
RSSD ID
948689
Primary regulator
NCUA
Established
1959
Headquarters
1505 N Pine St, P.O. Box 2817, Florence, AL 35630
Employees
18

Quick answers

Florence Federal Credit Union: common questions

Is Florence Federal Credit Union NCUA insured?

Yes. Florence Federal Credit Union is a federally insured credit union (NCUA charter #13167). 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 Florence Federal Credit Union's TellerScore?

76 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 Florence Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Florence

InstitutionScoreAssetsCapitalProblem loansCompare
Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL99 out of 100, Very strong$45.9M20.5%0.00%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
TVA Community Credit UnionCredit union Muscle Shoals, AL90 out of 100, Very strong$429.0M18.4%0.32%vs
Lauderdale County Teachers Credit UnionCredit union Florence, AL90 out of 100, Very strong$38.5M12.8%0.00%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs
Valley Credit UnionCredit union Tuscumbia, AL84 out of 100, Strong$112.9M14.0%0.20%vs