Opp-Micolas Credit Union (NCUA charter #62486) is based in Opp, Alabama. Its Q2 2026 call report shows $10.4M in total assets and $7.8M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Opp-Micolas Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 65th. Its strongest component is capital cushion (100/100; 25.17%), and its lowest is earnings (0/100; -0.58%).
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 rose 13 points (54 → 67), mostly because the loan quality component improved by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 55 |
| Q4 2024 | 54 |
| Q1 2025 | 54 |
| Q2 2025 | 54 |
| Q3 2025 | 54 |
| Q4 2025 | 79 |
| Q1 2026 | 54 |
| Q2 2026 | 67 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 23.92% |
| Q3 2024 | 24.71% |
| Q4 2024 | 24.92% |
| Q1 2025 | 24.78% |
| Q2 2025 | 24.64% |
| Q3 2025 | 25.15% |
| Q4 2025 | 25.67% |
| Q1 2026 | 25.21% |
| Q2 2026 | 25.17% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.93% |
| Q3 2024 | 4.34% |
| Q4 2024 | 7.81% |
| Q1 2025 | 4.33% |
| Q2 2025 | 4.21% |
| Q3 2025 | 4.38% |
| Q4 2025 | 0.16% |
| Q1 2026 | 3.81% |
| Q2 2026 | 1.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.79% |
| Q3 2024 | -0.37% |
| Q4 2024 | -0.40% |
| Q1 2025 | -1.84% |
| Q2 2025 | -1.00% |
| Q3 2025 | -0.64% |
| Q4 2025 | -0.51% |
| Q1 2026 | -1.19% |
| Q2 2026 | -0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $10.4M | 25.17% | 1.46% | -0.58% | 31.9% |
| Q1 2026 | 54 | $10.4M | 25.21% | 3.81% | -1.19% | 32.1% |
| Q4 2025 | 79 | $10.4M | 25.67% | 0.16% | -0.51% | 31.6% |
| Q3 2025 | 54 | $10.6M | 25.15% | 4.38% | -0.64% | 29.4% |
| Q2 2025 | 54 | $10.8M | 24.64% | 4.21% | -1.00% | 31.4% |
| Q1 2025 | 54 | $10.7M | 24.78% | 4.33% | -1.84% | 32.5% |
| Q4 2024 | 54 | $10.9M | 24.92% | 7.81% | -0.40% | 33.4% |
| Q3 2024 | 55 | $11.0M | 24.71% | 4.34% | -0.37% | 31.6% |
| Q2 2024 | 54 | $11.3M | 23.92% | 5.93% | -0.79% | 30.8% |
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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Birmingham City Credit UnionCredit union Birmingham, AL | 76 out of 100, Strong | $9.7M | 18.9% | 0.92% | vs |
| Tuskegee Federal Credit UnionCredit union Tuskegee, AL | 17 out of 100, Low | $11.3M | 4.2% | 4.29% | vs |
| Marvel City Federal Credit UnionCredit union Bessemer, AL | 80 out of 100, Strong | $9.0M | 18.2% | 1.02% | vs |
| L&n Employees Credit UnionCredit union Birmingham, AL | 52 out of 100, Below average | $8.3M | 18.2% | 5.29% | vs |
| Fedmont Federal Credit UnionCredit union Montgomery, AL | 75 out of 100, Strong | $13.0M | 13.4% | 0.52% | vs |
Deposit insurance
Is my money safe at Opp-Micolas Credit Union?
Yes. Opp-Micolas Credit Union is a federally insured credit union (NCUA charter #62486). 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 1.1% of shares and deposits ($84K) 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 25.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Opp-Micolas Credit Union lists 1 office in 1 city. Most locations:
- Opp, AL (1)
Identity & history
Profile
- Legal name
- Opp-Micolas Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62486
- RSSD ID
- 649098
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- P O Drawer 70, Opp, AL 36467
- Employees
- 3
Quick answers
Opp-Micolas Credit Union: common questions
Is Opp-Micolas Credit Union NCUA insured?
Yes. Opp-Micolas Credit Union is a federally insured credit union (NCUA charter #62486). 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 Opp-Micolas Credit Union's TellerScore?
67 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 Opp-Micolas Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Opp
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| Southern Independent BankBank Opp, AL | 87 out of 100, Very strong | $395.3M | 13.6% | 0.08% | vs |
| Andalusia Mills Employees Credit As Federal Credit UnionCredit union Andalusia, AL | 87 out of 100, Very strong | $3.2M | 20.5% | 0.35% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| CCB Community BankBank Andalusia, AL | 79 out of 100, Strong | $661.9M | 10.5% | 0.19% | vs |
| Dozier BankBank Dozier, AL | 73 out of 100, Strong | $54.8M | 26.8% | 1.84% | vs |