Headquartered in Pennington, Alabama, Naheola Credit Union is a federally insured state-chartered credit union with $219.6M in total assets and $178.7M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1959.
Naheola Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 47th. Capital cushion contributes the most (100/100, 18.00%); loan quality contributes the least (34/100, 1.97%).
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
From Q2 2025 to Q2 2026, the score fell 7 points (81 → 74), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 76 |
| Q1 2025 | 82 |
| Q2 2025 | 81 |
| Q3 2025 | 83 |
| Q4 2025 | 82 |
| Q1 2026 | 76 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.15% |
| Q3 2024 | 17.18% |
| Q4 2024 | 17.40% |
| Q1 2025 | 17.43% |
| Q2 2025 | 17.40% |
| Q3 2025 | 17.21% |
| Q4 2025 | 17.66% |
| Q1 2026 | 17.61% |
| Q2 2026 | 18.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.21% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.97% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.95% |
| Q2 2025 | 1.73% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $219.6M | 18.00% | 1.97% | 1.66% | 87.6% |
| Q1 2026 | 76 | $218.7M | 17.61% | 1.64% | 1.48% | 87.8% |
| Q4 2025 | 82 | $213.6M | 17.66% | 1.07% | 1.61% | 89.9% |
| Q3 2025 | 83 | $214.7M | 17.21% | 0.99% | 1.65% | 87.8% |
| Q2 2025 | 81 | $207.3M | 17.40% | 1.21% | 1.73% | 90.5% |
| Q1 2025 | 82 | $202.3M | 17.43% | 1.38% | 1.95% | 90.3% |
| Q4 2024 | 76 | $197.0M | 17.40% | 1.28% | 1.15% | 92.6% |
| Q3 2024 | 78 | $197.7M | 17.18% | 1.22% | 1.32% | 91.5% |
| Q2 2024 | 76 | $194.4M | 17.15% | 1.45% | 1.36% | 95.6% |
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 |
|---|---|---|---|---|---|
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |
| Fort McClellan Credit UnionCredit union Anniston, AL | 68 out of 100, Moderate | $224.1M | 12.7% | 1.17% | vs |
| Alabama Central Credit UnionCredit union Birmingham, AL | 69 out of 100, Moderate | $214.0M | 9.6% | 0.44% | vs |
| Mutual Savings Credit UnionCredit union Birmingham, AL | 65 out of 100, Moderate | $242.8M | 9.1% | 0.19% | vs |
| Eco Credit UnionCredit union Birmingham, AL | 72 out of 100, Strong | $195.1M | 11.8% | 0.86% | vs |
Deposit insurance
Is my money safe at Naheola Credit Union?
Yes. Naheola Credit Union is a federally insured credit union (NCUA charter #62661). 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 20.7% of shares and deposits ($37.0M) 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 18.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Naheola Credit Union lists 4 offices in 4 cities. Most locations:
- Butler, AL (1)
- Demopolis, AL (1)
- Livingston, AL (1)
- Pennington, AL (1)
Identity & history
Profile
- Legal name
- Naheola Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62661
- RSSD ID
- 646798
- Primary regulator
- State + NCUA
- Established
- 1959
- Headquarters
- P.O. Box 102, Pennington, AL 36916
- Employees
- 35
Quick answers
Naheola Credit Union: common questions
Is Naheola Credit Union NCUA insured?
Yes. Naheola Credit Union is a federally insured credit union (NCUA charter #62661). 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 Naheola Credit Union's TellerScore?
74 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 Naheola Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pennington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Demopolis Federal Credit UnionCredit union Demopolis, AL | 92 out of 100, Very strong | $3.3M | 54.9% | 0.54% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Sweet Water State BankBank Sweet Water, AL | 67 out of 100, Moderate | $150.0M | 9.7% | 1.30% | vs |
| First US BankBank Birmingham, AL | 67 out of 100, Moderate | $1.1B | 9.2% | 0.15% | vs |
| Investar Bank, National AssociationBank Baton Rouge, LA | 67 out of 100, Moderate | $3.9B | 10.7% | 0.63% | vs |