TellerScore

Headquartered in Birmingham, Alabama, Nrs Community Development Federal Credit Union is a federal credit union with $1.1M in total assets and $1.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1996.

Based on its Q2 2026 filing, Nrs Community Development Federal Credit Union scores 21/100, which we describe as low. That is higher than only 0% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 86th. Its strongest component is funding & liquidity (100/100; 40% loans-to-deposits, 0% uninsured), and its lowest is problem-loan coverage (0/100; 77.4%).

TellerScore · Q2 2026

Scorecard

Capital cushion21/100
Net worth ratio: 7.10%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 15.99%
Earnings0/100
Return on assets (annualized): -1.17%
Funding & liquidity100/100
Loans ÷ shares: 39.5% · 0.0% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 77.42%

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 21 points (42 → 21), mostly because the capital cushion component weakened by 57 points.

TellerScore
213956Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202445
Q4 202441
Q1 202542
Q2 202542
Q3 202551
Q4 202547
Q1 202646
Q2 202621
Net worth ratio
7.00%11.19%15.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.95%
Q3 202415.38%
Q4 202414.34%
Q1 202513.29%
Q2 202512.78%
Q3 202514.21%
Q4 202513.74%
Q1 202614.31%
Q2 20267.10%
Delinquent loans (60+ days)
8.68%26.07%43.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20248.68%
Q3 202416.86%
Q4 202418.95%
Q1 202519.42%
Q2 202526.77%
Q3 202535.58%
Q4 202543.46%
Q1 202642.18%
Q2 202615.99%
Return on assets
-1.17%-0.25%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 2024-0.16%
Q4 2024-1.11%
Q1 2025-0.16%
Q2 2025-0.10%
Q3 20250.61%
Q4 20250.22%
Q1 2026-0.11%
Q2 2026-1.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202621$1.1M7.10%15.99%-1.17%39.5%
Q1 202646$1.3M14.31%42.18%-0.11%48.1%
Q4 202547$1.4M13.74%43.46%0.22%49.9%
Q3 202551$1.4M14.21%35.58%0.61%53.9%
Q2 202542$1.5M12.78%26.77%-0.10%56.8%
Q1 202542$1.4M13.29%19.42%-0.16%62.8%
Q4 202441$1.3M14.34%18.95%-1.11%73.0%
Q3 202445$1.3M15.38%16.86%-0.16%78.0%
Q2 202456$1.4M14.95%8.68%0.66%73.6%

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 ratio7.10%
2nd
Problem loans15.99%
1st
Net charge-offs45.22%
0th
Return on assets-1.17%
6th
Loans to deposits39.5%
79th
Uninsured deposits0.0%
81st
Loan-loss reserves7.41%
97th
Texas ratio77.4%
0th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
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Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Nucor Employees Federal Credit UnionCredit union Fort Payne, AL86 out of 100, Very strong$2.2M30.7%0.00%vs
Councill Federal Credit UnionCredit union Normal, AL79 out of 100, Strong$2.8M15.7%2.43%vs
U S Pipe Bessemer Employees Federal Credit UnionCredit union Bessemer, AL64 out of 100, Moderate$3.1M23.0%8.36%vs
Andalusia Mills Employees Credit As Federal Credit UnionCredit union Andalusia, AL87 out of 100, Very strong$3.2M20.5%0.35%vs

Deposit insurance

Is my money safe at Nrs Community Development Federal Credit Union?

Yes. Nrs Community Development Federal Credit Union is a federally insured credit union (NCUA charter #24583). 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 0.0% of shares and deposits ($0) 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 7.10%, slightly 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

Nrs Community Development Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Nrs Community Development Federal Credit Union
Type
Federal credit union
NCUA charter #
24583
RSSD ID
2507491
Primary regulator
NCUA
Established
1996
Headquarters
Po Box 130520, Birmingham, AL 35213
Employees
1

Quick answers

Nrs Community Development Federal Credit Union: common questions

Is Nrs Community Development Federal Credit Union NCUA insured?

Yes. Nrs Community Development Federal Credit Union is a federally insured credit union (NCUA charter #24583). 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 Nrs Community Development Federal Credit Union's TellerScore?

21 out of 100 (Low), 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 Nrs Community Development Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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