TellerScore

Headquartered in Huntsville, Alabama, Rocket City Federal Credit Union is a federal credit union with $69.1M in total assets and $57.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.

Rocket City Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 7th. Capital cushion contributes the most (100/100, 17.25%); earnings contributes the least (78/100, 1.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.25%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity100/100
Loans ÷ shares: 52.6% · 1.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.44%

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 2 points (92 → 94), mostly because the earnings component improved by 9 points.

TellerScore
929597Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202497
Q4 202497
Q1 202592
Q2 202592
Q3 202593
Q4 202593
Q1 202694
Q2 202694
Net worth ratio
7.00%12.20%17.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.54%
Q3 202416.04%
Q4 202416.33%
Q1 202516.41%
Q2 202516.65%
Q3 202517.12%
Q4 202517.39%
Q1 202617.23%
Q2 202617.25%
Delinquent loans (60+ days)
0.00%0.19%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.00%
Q4 20240.02%
Q1 20250.38%
Q2 20250.10%
Q3 20250.14%
Q4 20250.14%
Q1 20260.03%
Q2 20260.17%
Return on assets
1.22%1.48%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.73%
Q3 20241.59%
Q4 20241.61%
Q1 20251.41%
Q2 20251.22%
Q3 20251.35%
Q4 20251.31%
Q1 20261.31%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$69.1M17.25%0.17%1.45%52.6%
Q1 202694$67.5M17.23%0.03%1.31%55.2%
Q4 202593$65.7M17.39%0.14%1.31%58.2%
Q3 202593$65.6M17.12%0.14%1.35%61.0%
Q2 202592$65.8M16.65%0.10%1.22%64.2%
Q1 202592$65.8M16.41%0.38%1.41%53.3%
Q4 202497$64.7M16.33%0.02%1.61%57.4%
Q3 202497$64.1M16.04%0.00%1.59%59.9%
Q2 202494$65.1M15.54%0.37%1.73%61.3%

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 ratio17.25%
66th
Problem loans0.17%
75th
Net charge-offs0.21%
46th
Return on assets1.45%
84th
Loans to deposits52.6%
59th
Uninsured deposits1.9%
45th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
76th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Florence Federal Credit UnionCredit union Florence, AL76 out of 100, Strong$65.9M14.1%0.90%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
Sycamore Federal Credit UnionCredit union Sycamore, AL87 out of 100, Very strong$77.1M16.4%0.89%vs
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL84 out of 100, Strong$51.9M13.1%0.24%vs
Champion Community Credit UnionCredit union Courtland, AL70 out of 100, Strong$51.0M14.8%1.91%vs

Deposit insurance

Is my money safe at Rocket City Federal Credit Union?

Yes. Rocket City Federal Credit Union is a federally insured credit union (NCUA charter #9662). 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 1.9% of shares and deposits ($1.1M) 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 17.25%, well 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

Rocket City Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rocket City Federal Credit Union
Type
Federal credit union
NCUA charter #
9662
RSSD ID
55989
Primary regulator
NCUA
Established
1954
Headquarters
2200 Clinton Ave W, Huntsville, AL 35805
Employees
13

Quick answers

Rocket City Federal Credit Union: common questions

Is Rocket City Federal Credit Union NCUA insured?

Yes. Rocket City Federal Credit Union is a federally insured credit union (NCUA charter #9662). 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 Rocket City Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Rocket City Federal Credit Union have?

1 office as of the latest NCUA data.