TellerScore

The Bridgeway Federal Credit Union (NCUA charter #13852) is based in Phenix City, Alabama. Its Q2 2026 call report shows $62.3M in total assets and $51.1M in member shares and deposits and 3 offices across 2 states.

The Bridgeway Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 53rd. Capital cushion contributes the most (100/100, 16.27%); earnings contributes the least (29/100, 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.27%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.01%
Earnings29/100
Return on assets (annualized): 0.24%
Funding & liquidity72/100
Loans ÷ shares: 88.5% · 4.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.69%

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 2 points (74 → 72), mostly because the funding & liquidity component weakened by 12 points.

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202473
Q1 202575
Q2 202574
Q3 202573
Q4 202572
Q1 202676
Q2 202672
Net worth ratio
7.00%11.64%16.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.47%
Q3 202416.28%
Q4 202415.66%
Q1 202515.35%
Q2 202515.64%
Q3 202515.86%
Q4 202515.94%
Q1 202615.76%
Q2 202616.27%
Delinquent loans (60+ days)
0.55%0.79%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.55%
Q4 20240.64%
Q1 20250.81%
Q2 20250.88%
Q3 20250.89%
Q4 20251.03%
Q1 20260.57%
Q2 20261.01%
Return on assets
-1.86%-0.81%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.86%
Q3 2024-0.59%
Q4 2024-1.40%
Q1 20250.05%
Q2 20250.05%
Q3 20250.08%
Q4 20250.12%
Q1 20260.08%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$62.3M16.27%1.01%0.24%88.5%
Q1 202676$64.0M15.76%0.57%0.08%83.9%
Q4 202572$63.2M15.94%1.03%0.12%83.5%
Q3 202573$63.3M15.86%0.89%0.08%80.3%
Q2 202574$64.0M15.64%0.88%0.05%76.4%
Q1 202575$65.2M15.35%0.81%0.05%73.2%
Q4 202473$63.8M15.66%0.64%-1.40%70.6%
Q3 202474$65.1M16.28%0.55%-0.59%68.6%
Q2 202474$66.4M15.47%0.57%-1.86%63.3%

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 ratio16.27%
61st
Problem loans1.01%
39th
Net charge-offs0.78%
18th
Return on assets0.24%
29th
Loans to deposits88.5%
11th
Uninsured deposits4.3%
25th
Loan-loss reserves0.00%
37th
Texas ratio4.7%
31st

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
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%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
Sycamore Federal Credit UnionCredit union Sycamore, AL87 out of 100, Very strong$77.1M16.4%0.89%vs

Deposit insurance

Is my money safe at The Bridgeway Federal Credit Union?

Yes. The Bridgeway Federal Credit Union is a federally insured credit union (NCUA charter #13852). 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 4.3% of shares and deposits ($2.2M) 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 16.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

The Bridgeway Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Bridgeway Federal Credit Union
Type
Federal credit union
NCUA charter #
13852
RSSD ID
315580
Primary regulator
NCUA
Established
1960
Headquarters
1810 Opelika Road, Phenix City, AL 36867
Employees
29

Quick answers

The Bridgeway Federal Credit Union: common questions

Is The Bridgeway Federal Credit Union NCUA insured?

Yes. The Bridgeway Federal Credit Union is a federally insured credit union (NCUA charter #13852). 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 The Bridgeway Federal Credit Union's TellerScore?

72 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 The Bridgeway Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Phenix City

InstitutionScoreAssetsCapitalProblem loansCompare
Chattahoochee Federal Credit UnionCredit union Valley, AL87 out of 100, Very strong$23.4M15.0%0.51%vs
East Alabama Community Federal Credit UnionCredit union Opelika, AL84 out of 100, Strong$20.8M14.2%0.00%vs
First Peoples BankBank Pine Mountain, GA77 out of 100, Strong$449.4M12.8%0.12%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
AuburnBankBank Auburn, AL74 out of 100, Strong$1.1B10.7%0.01%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs