TellerScore

Headquartered in Birmingham, Alabama, S R I Employees Federal Credit Union is a federal credit union with $3.7M in total assets and $2.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.

Based on its Q2 2026 filing, S R I Employees Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 24th. Its strongest component is capital cushion (100/100; 38.07%), and its lowest is earnings (25/100; 0.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 38.07%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity100/100
Loans ÷ shares: 33.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 3 points (82 → 85), mostly because the earnings component improved by 10 points.

TellerScore
748085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202480
Q1 202574
Q2 202582
Q3 202583
Q4 202581
Q1 202684
Q2 202685
Net worth ratio
7.00%22.77%38.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202435.94%
Q3 202436.36%
Q4 202436.48%
Q1 202536.24%
Q2 202536.53%
Q3 202537.62%
Q4 202537.55%
Q1 202638.55%
Q2 202638.07%
Delinquent loans (60+ days)
0.00%0.36%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.10%
Q4 20240.00%
Q1 20250.72%
Q2 20250.17%
Q3 20250.00%
Q4 20250.43%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.93%-0.41%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.78%
Q3 2024-0.49%
Q4 2024-0.53%
Q1 2025-0.93%
Q2 2025-0.13%
Q3 2025-0.13%
Q4 20250.09%
Q1 2026-0.03%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$3.7M38.07%0.00%0.12%33.0%
Q1 202684$3.6M38.55%0.00%-0.03%35.1%
Q4 202581$3.7M37.55%0.43%0.09%35.3%
Q3 202583$3.7M37.62%0.00%-0.13%29.4%
Q2 202582$3.8M36.53%0.17%-0.13%20.9%
Q1 202574$3.8M36.24%0.72%-0.93%21.9%
Q4 202480$3.8M36.48%0.00%-0.53%23.1%
Q3 202479$3.9M36.36%0.10%-0.49%22.7%
Q2 202479$3.9M35.94%0.17%-0.78%20.2%

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 ratio38.07%
97th
Problem loans0.00%
94th
Net charge-offs0.91%
15th
Return on assets0.12%
24th
Loans to deposits33.0%
86th
Uninsured deposits0.0%
81st
Loan-loss reserves0.61%
79th
Texas ratio0.0%
93rd

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Chem Family Credit UnionCredit union Anniston, AL88 out of 100, Very strong$4.1M28.1%0.00%vs
Demopolis Federal Credit UnionCredit union Demopolis, AL92 out of 100, Very strong$3.3M54.9%0.54%vs
Andalusia Mills Employees Credit As Federal Credit UnionCredit union Andalusia, AL87 out of 100, Very strong$3.2M20.5%0.35%vs
U S Pipe Bessemer Employees Federal Credit UnionCredit union Bessemer, AL64 out of 100, Moderate$3.1M23.0%8.36%vs
Councill Federal Credit UnionCredit union Normal, AL79 out of 100, Strong$2.8M15.7%2.43%vs
Tvh Federal Credit UnionCredit union Tuskegee, AL76 out of 100, Strong$5.1M23.4%0.41%vs

Deposit insurance

Is my money safe at S R I Employees Federal Credit Union?

Yes. S R I Employees Federal Credit Union is a federally insured credit union (NCUA charter #11123). 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 38.07%, 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

S R I Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
S R I Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
11123
RSSD ID
673785
Primary regulator
NCUA
Established
1956
Headquarters
2016 10th Ave S Ste 102A, Birmingham, AL 35205
Employees
2

Quick answers

S R I Employees Federal Credit Union: common questions

Is S R I Employees Federal Credit Union NCUA insured?

Yes. S R I Employees Federal Credit Union is a federally insured credit union (NCUA charter #11123). 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 S R I Employees Federal Credit Union's TellerScore?

85 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 S R I Employees Federal Credit Union have?

1 office as of the latest NCUA data.