TellerScore

Fort McClellan Credit Union (NCUA charter #61800) is based in Anniston, Alabama. Its Q2 2026 call report shows $224.1M in total assets and $201.7M in member shares and deposits and 5 offices.

Fort McClellan Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 62nd. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 3% uninsured); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.73%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity100/100
Loans ÷ shares: 48.8% · 3.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.19%

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 (68 → 68).

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202565
Q2 202568
Q3 202569
Q4 202566
Q1 202670
Q2 202668
Net worth ratio
7.00%10.13%13.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.78%
Q3 202412.66%
Q4 202413.25%
Q1 202512.84%
Q2 202512.83%
Q3 202512.93%
Q4 202512.76%
Q1 202612.68%
Q2 202612.73%
Delinquent loans (60+ days)
0.51%0.84%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.51%
Q4 20240.72%
Q1 20251.04%
Q2 20250.76%
Q3 20250.78%
Q4 20250.98%
Q1 20261.09%
Q2 20261.17%
Return on assets
-0.39%-0.05%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.21%
Q3 2024-0.28%
Q4 2024-0.31%
Q1 2025-0.39%
Q2 2025-0.27%
Q3 2025-0.25%
Q4 2025-0.30%
Q1 20260.30%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$224.1M12.73%1.17%0.18%48.8%
Q1 202670$224.7M12.68%1.09%0.30%47.4%
Q4 202566$222.5M12.76%0.98%-0.30%47.6%
Q3 202569$221.5M12.93%0.78%-0.25%47.9%
Q2 202568$224.1M12.83%0.76%-0.27%47.2%
Q1 202565$224.5M12.84%1.04%-0.39%46.5%
Q4 202470$219.6M13.25%0.72%-0.31%48.2%
Q3 202470$231.4M12.66%0.51%-0.28%49.7%
Q2 202470$231.1M12.78%0.66%-0.21%51.1%

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).

Capital ratio12.73%
66th
Problem loans1.17%
23rd
Net charge-offs0.70%
20th
Return on assets0.18%
11th
Loans to deposits48.8%
91st
Uninsured deposits3.0%
82nd
Loan-loss reserves0.00%
50th
Texas ratio5.2%
37th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Alatrust Credit UnionCredit union Hoover, AL75 out of 100, Strong$224.0M14.0%1.72%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Naheola Credit UnionCredit union Pennington, AL74 out of 100, Strong$219.6M18.0%1.97%vs
Alabama Central Credit UnionCredit union Birmingham, AL69 out of 100, Moderate$214.0M9.6%0.44%vs
Mutual Savings Credit UnionCredit union Birmingham, AL65 out of 100, Moderate$242.8M9.1%0.19%vs
Eco Credit UnionCredit union Birmingham, AL72 out of 100, Strong$195.1M11.8%0.86%vs

Deposit insurance

Is my money safe at Fort McClellan Credit Union?

Yes. Fort McClellan Credit Union is a federally insured credit union (NCUA charter #61800). 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 3.0% of shares and deposits ($6.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Fort McClellan Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fort McClellan Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61800
RSSD ID
700298
Primary regulator
State + NCUA
Established
1953
Headquarters
1010 Golden Springs Rd, Anniston, AL 36207
Employees
67

Quick answers

Fort McClellan Credit Union: common questions

Is Fort McClellan Credit Union NCUA insured?

Yes. Fort McClellan Credit Union is a federally insured credit union (NCUA charter #61800). 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 Fort McClellan Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Fort McClellan Credit Union have?

5 offices as of the latest NCUA data.