TellerScore

Social Security Credit Union is a federally insured state-chartered credit union headquartered in Birmingham, Alabama, in business for about 79 years. At the end of Q2 2026 it reported $37.4M in total assets and $28.5M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Social Security Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 29th. Its strongest component is capital cushion (100/100; 22.63%), and its lowest is loan quality (51/100; 1.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.63%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.47%
Earnings83/100
Return on assets (annualized): 1.59%
Funding & liquidity100/100
Loans ÷ shares: 48.6% · 2.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.67%

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 11 points (73 → 84), mostly because the loan quality component improved by 27 points.

TellerScore
667584Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202476
Q1 202568
Q2 202573
Q3 202570
Q4 202566
Q1 202682
Q2 202684
Net worth ratio
7.00%15.16%23.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.17%
Q3 202423.32%
Q4 202422.32%
Q1 202522.02%
Q2 202522.31%
Q3 202522.36%
Q4 202522.17%
Q1 202622.64%
Q2 202622.63%
Delinquent loans (60+ days)
1.07%1.98%2.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.24%
Q4 20241.79%
Q1 20252.80%
Q2 20252.28%
Q3 20252.72%
Q4 20252.88%
Q1 20261.60%
Q2 20261.47%
Return on assets
0.93%1.26%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.30%
Q4 20240.96%
Q1 20251.00%
Q2 20251.05%
Q3 20251.18%
Q4 20250.93%
Q1 20261.50%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$37.4M22.63%1.47%1.59%48.6%
Q1 202682$36.6M22.64%1.60%1.50%47.0%
Q4 202566$36.8M22.17%2.88%0.93%48.3%
Q3 202570$36.4M22.36%2.72%1.18%48.3%
Q2 202573$35.9M22.31%2.28%1.05%47.4%
Q1 202568$35.9M22.02%2.80%1.00%48.8%
Q4 202476$35.0M22.32%1.79%0.96%52.3%
Q3 202484$33.5M23.32%1.24%1.30%56.1%
Q2 202484$33.1M23.17%1.07%1.14%53.4%

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 ratio22.63%
84th
Problem loans1.47%
29th
Net charge-offs0.67%
21st
Return on assets1.59%
87th
Loans to deposits48.6%
66th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio2.7%
45th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Lauderdale County Teachers Credit UnionCredit union Florence, AL90 out of 100, Very strong$38.5M12.8%0.00%vs
Wcu Credit UnionCredit union Decatur, AL67 out of 100, Moderate$36.0M9.0%0.29%vs
Red Oak Credit UnionCredit union Tuscaloosa, AL46 out of 100, Below average$40.1M5.8%0.68%vs
Mead Coated Board Federal Credit UnionCredit union Eufaula, AL62 out of 100, Moderate$40.3M23.0%6.71%vs
The Infirmary Federal Credit UnionCredit union Mobile, AL81 out of 100, Strong$32.6M14.0%0.63%vs
Baldwin County Federal Credit UnionCredit union Bay Minette, AL78 out of 100, Strong$32.4M12.0%0.27%vs

Deposit insurance

Is my money safe at Social Security Credit Union?

Yes. Social Security Credit Union is a federally insured credit union (NCUA charter #61391). 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 2.4% of shares and deposits ($682K) 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 22.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Social Security Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Social Security Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61391
RSSD ID
48691
Primary regulator
State + NCUA
Established
1947
Headquarters
PO Box 937, Birmingham, AL 35201
Employees
5

Quick answers

Social Security Credit Union: common questions

Is Social Security Credit Union NCUA insured?

Yes. Social Security Credit Union is a federally insured credit union (NCUA charter #61391). 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 Social Security Credit Union's TellerScore?

84 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 Social Security Credit Union have?

2 offices as of the latest NCUA data.