Headquartered in Sycamore, Alabama, Sycamore Federal Credit Union is a federal credit union with $77.1M in total assets and $64.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1945.
Based on its Q2 2026 filing, Sycamore Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 18th. Its strongest component is capital cushion (100/100; 16.37%), and its lowest is loan quality (70/100; 0.89%).
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 5 points (82 → 87), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 79 |
| Q2 2025 | 82 |
| Q3 2025 | 87 |
| Q4 2025 | 90 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.40% |
| Q3 2024 | 17.69% |
| Q4 2024 | 17.90% |
| Q1 2025 | 17.29% |
| Q2 2025 | 17.37% |
| Q3 2025 | 17.26% |
| Q4 2025 | 17.07% |
| Q1 2026 | 16.63% |
| Q2 2026 | 16.37% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.25% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.81% |
| Q3 2024 | 1.74% |
| Q4 2024 | 1.75% |
| Q1 2025 | 1.61% |
| Q2 2025 | 1.75% |
| Q3 2025 | 1.84% |
| Q4 2025 | 1.90% |
| Q1 2026 | 1.76% |
| Q2 2026 | 1.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $77.1M | 16.37% | 0.89% | 1.89% | 84.8% |
| Q1 2026 | 87 | $73.5M | 16.63% | 0.81% | 1.76% | 87.4% |
| Q4 2025 | 90 | $69.7M | 17.07% | 0.53% | 1.90% | 88.7% |
| Q3 2025 | 87 | $66.5M | 17.26% | 0.80% | 1.84% | 89.2% |
| Q2 2025 | 82 | $64.1M | 17.37% | 1.25% | 1.75% | 89.9% |
| Q1 2025 | 79 | $62.6M | 17.29% | 1.48% | 1.61% | 90.1% |
| Q4 2024 | 81 | $59.1M | 17.90% | 1.29% | 1.75% | 93.5% |
| Q3 2024 | 81 | $58.2M | 17.69% | 1.32% | 1.74% | 91.4% |
| Q2 2024 | 79 | $54.5M | 18.40% | 1.49% | 1.81% | 95.6% |
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 |
|---|---|---|---|---|---|
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Florence Federal Credit UnionCredit union Florence, AL | 76 out of 100, Strong | $65.9M | 14.1% | 0.90% | vs |
| Jefferson Credit UnionCredit union Hoover, AL | 64 out of 100, Moderate | $91.4M | 10.3% | 1.38% | vs |
| The Bridgeway Federal Credit UnionCredit union Phenix City, AL | 72 out of 100, Strong | $62.3M | 16.3% | 1.01% | vs |
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL | 84 out of 100, Strong | $51.9M | 13.1% | 0.24% | vs |
Deposit insurance
Is my money safe at Sycamore Federal Credit Union?
Yes. Sycamore Federal Credit Union is a federally insured credit union (NCUA charter #5241). 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 12.8% of shares and deposits ($8.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 16.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Sycamore Federal Credit Union lists 1 office in 1 city. Most locations:
- Talladega, AL (1)
Identity & history
Profile
- Legal name
- Sycamore Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5241
- RSSD ID
- 536675
- Primary regulator
- NCUA
- Established
- 1945
- Headquarters
- PO Box 423, Sycamore, AL 35149
- Employees
- 15
Quick answers
Sycamore Federal Credit Union: common questions
Is Sycamore Federal Credit Union NCUA insured?
Yes. Sycamore Federal Credit Union is a federally insured credit union (NCUA charter #5241). 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 Sycamore Federal Credit Union's TellerScore?
87 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 Sycamore Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sycamore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Chem Family Credit UnionCredit union Anniston, AL | 88 out of 100, Very strong | $4.1M | 28.1% | 0.00% | vs |
| NobleBank & TrustBank Anniston, AL | 81 out of 100, Strong | $444.0M | 11.3% | 0.26% | vs |
| Metro BankBank Pell City, AL | 80 out of 100, Strong | $1.2B | 14.7% | 1.18% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |