Headquartered in Opelika, Alabama, Four Seasons Federal Credit Union is a federal credit union with $103.7M in total assets and $93.2M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1964.
Four Seasons Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 76th. Funding & liquidity contributes the most (96/100, 65% loans-to-deposits, 9% uninsured); capital cushion contributes the least (36/100, 8.64%).
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 (59 → 58).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 58 |
| Q4 2024 | 54 |
| Q1 2025 | 50 |
| Q2 2025 | 59 |
| Q3 2025 | 62 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 58 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.38% |
| Q3 2024 | 8.38% |
| Q4 2024 | 8.46% |
| Q1 2025 | 7.79% |
| Q2 2025 | 8.43% |
| Q3 2025 | 8.72% |
| Q4 2025 | 8.88% |
| Q1 2026 | 8.51% |
| Q2 2026 | 8.64% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.79% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.89% |
| Q1 2025 | -0.99% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.86% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $103.7M | 8.64% | 1.53% | 1.08% | 64.6% |
| Q1 2026 | 59 | $102.3M | 8.51% | 1.48% | 1.22% | 63.4% |
| Q4 2025 | 58 | $94.5M | 8.88% | 1.41% | 0.86% | 66.9% |
| Q3 2025 | 62 | $94.8M | 8.72% | 0.92% | 0.81% | 63.3% |
| Q2 2025 | 59 | $93.1M | 8.43% | 0.69% | 0.32% | 64.7% |
| Q1 2025 | 50 | $95.8M | 7.79% | 0.77% | -0.99% | 61.7% |
| Q4 2024 | 54 | $91.0M | 8.46% | 1.79% | 0.89% | 64.1% |
| Q3 2024 | 58 | $91.8M | 8.38% | 1.45% | 0.99% | 62.0% |
| Q2 2024 | 63 | $88.7M | 8.38% | 0.93% | 0.96% | 61.2% |
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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |
| Mobile Educators Credit UnionCredit union Mobile, AL | 84 out of 100, Strong | $113.2M | 13.2% | 0.74% | vs |
| North Alabama Educators Credit UnionCredit union Huntsville, AL | 62 out of 100, Moderate | $142.9M | 8.0% | 0.72% | vs |
| Heritage South Credit UnionCredit union Sylacauga, AL | 63 out of 100, Moderate | $183.7M | 10.2% | 0.88% | vs |
| Riverfall Credit UnionCredit union Tuscaloosa, AL | 60 out of 100, Moderate | $193.9M | 11.9% | 1.93% | vs |
Deposit insurance
Is my money safe at Four Seasons Federal Credit Union?
Yes. Four Seasons Federal Credit Union is a federally insured credit union (NCUA charter #16479). 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 9.4% of shares and deposits ($8.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.64%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Four Seasons Federal Credit Union lists 2 offices in 1 city. Most locations:
- Opelika, AL (2)
Identity & history
Profile
- Legal name
- Four Seasons Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16479
- RSSD ID
- 804187
- Primary regulator
- NCUA
- Established
- 1964
- Headquarters
- 2915 Pepperell Pkwy, Opelika, AL 36801
- Employees
- 30
Quick answers
Four Seasons Federal Credit Union: common questions
Is Four Seasons Federal Credit Union NCUA insured?
Yes. Four Seasons Federal Credit Union is a federally insured credit union (NCUA charter #16479). 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 Four Seasons Federal Credit Union's TellerScore?
58 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 Four Seasons Federal Credit Union have?
2 offices 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 |
| East Alabama Community Federal Credit UnionCredit union Opelika, AL | 84 out of 100, Strong | $20.8M | 14.2% | 0.00% | 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 |