TellerScore

Headquartered in Enterprise, Alabama, Solutions First Federal Credit Union is a federal credit union with $45.2M in total assets and $42.2M in member shares and deposits as of Q2 2026. Its charter dates back to 1964.

Solutions First Federal Credit Union has a TellerScore of 20 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 87th. Funding & liquidity contributes the most (100/100, 43% loans-to-deposits, 1% uninsured); problem-loan coverage contributes the least (0/100, 51.4%).

TellerScore · Q2 2026

Scorecard

Capital cushion0/100
Net worth ratio: 1.93%
Loan quality19/100
Loans 60+ days delinquent ÷ total loans: 2.43%
Earnings0/100
Return on assets (annualized): -9.61%
Funding & liquidity100/100
Loans ÷ shares: 43.4% · 1.2% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 51.37%

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 20 points (40 → 20), mostly because the problem-loan coverage component weakened by 68 points.

TellerScore
203243Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202443
Q3 202436
Q4 202439
Q1 202535
Q2 202540
Q3 202542
Q4 202540
Q1 202635
Q2 202620
Net worth ratio
1.93%4.46%7.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.57%
Q3 20246.45%
Q4 20246.28%
Q1 20256.27%
Q2 20256.73%
Q3 20256.88%
Q4 20256.76%
Q1 20266.68%
Q2 20261.93%
Delinquent loans (60+ days)
1.49%2.02%2.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.49%
Q3 20242.09%
Q4 20241.78%
Q1 20251.98%
Q2 20252.21%
Q3 20252.17%
Q4 20252.32%
Q1 20262.54%
Q2 20262.43%
Return on assets
-9.61%-4.59%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.14%
Q3 2024-0.20%
Q4 2024-0.18%
Q1 2025-0.41%
Q2 20250.39%
Q3 20250.44%
Q4 20250.38%
Q1 20260.08%
Q2 2026-9.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202620$45.2M1.93%2.43%-9.61%43.4%
Q1 202635$45.7M6.68%2.54%0.08%45.2%
Q4 202540$45.0M6.76%2.32%0.38%48.7%
Q3 202542$44.6M6.88%2.17%0.44%51.5%
Q2 202540$44.7M6.73%2.21%0.39%52.6%
Q1 202535$45.8M6.27%1.98%-0.41%53.5%
Q4 202439$46.5M6.28%1.78%-0.18%55.2%
Q3 202436$46.2M6.45%2.09%-0.20%58.7%
Q2 202443$45.9M6.57%1.49%-0.14%61.5%

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 ratio1.93%
0th
Problem loans2.43%
16th
Net charge-offs1.21%
11th
Return on assets-9.61%
1st
Loans to deposits43.4%
73rd
Uninsured deposits1.2%
53rd
Loan-loss reserves0.00%
37th
Texas ratio51.4%
1st

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL99 out of 100, Very strong$45.9M20.5%0.00%vs
Gulf Coast Federal Credit UnionCredit union Mobile, AL26 out of 100, Low$44.2M5.9%2.74%vs
Azalea City Credit UnionCredit union Mobile, AL78 out of 100, Strong$47.2M15.2%1.57%vs
Mead Coated Board Federal Credit UnionCredit union Eufaula, AL62 out of 100, Moderate$40.3M23.0%6.71%vs
Red Oak Credit UnionCredit union Tuscaloosa, AL46 out of 100, Below average$40.1M5.8%0.68%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 Solutions First Federal Credit Union?

Yes. Solutions First Federal Credit Union is a federally insured credit union (NCUA charter #16556). 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 1.2% of shares and deposits ($488K) 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 1.93%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Solutions First Federal Credit Union
Type
Federal credit union
NCUA charter #
16556
RSSD ID
890685
Primary regulator
NCUA
Established
1964
Headquarters
Po Box 311990, Enterprise, AL 36331
Employees
9

Quick answers

Solutions First Federal Credit Union: common questions

Is Solutions First Federal Credit Union NCUA insured?

Yes. Solutions First Federal Credit Union is a federally insured credit union (NCUA charter #16556). 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 Solutions First Federal Credit Union's TellerScore?

20 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.