TellerScore

Wcu Credit Union is a federally insured state-chartered credit union headquartered in Decatur, Alabama, in business for about 78 years. At the end of Q2 2026 it reported $36.0M in total assets and $32.7M in member shares and deposits, with 2 offices.

Wcu Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 64th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 0% uninsured); earnings contributes the least (40/100, 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.00%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity100/100
Loans ÷ shares: 51.9% · 0.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.51%

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 2 points (65 → 67), mostly because the loan quality component improved by 4 points.

TellerScore
505968Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202460
Q4 202458
Q1 202550
Q2 202565
Q3 202568
Q4 202568
Q1 202668
Q2 202667
Net worth ratio
7.00%8.12%9.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.36%
Q3 20248.59%
Q4 20248.64%
Q1 20258.76%
Q2 20258.98%
Q3 20259.24%
Q4 20259.23%
Q1 20269.05%
Q2 20269.00%
Delinquent loans (60+ days)
0.15%1.11%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.49%
Q3 20241.05%
Q4 20241.09%
Q1 20252.07%
Q2 20250.41%
Q3 20250.28%
Q4 20250.25%
Q1 20260.15%
Q2 20260.29%
Return on assets
0.37%0.51%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.66%
Q4 20240.41%
Q1 20250.58%
Q2 20250.42%
Q3 20250.54%
Q4 20250.50%
Q1 20260.37%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$36.0M9.00%0.29%0.51%51.9%
Q1 202668$35.2M9.05%0.15%0.37%53.5%
Q4 202568$34.1M9.23%0.25%0.50%56.7%
Q3 202568$33.7M9.24%0.28%0.54%56.9%
Q2 202565$34.1M8.98%0.41%0.42%56.7%
Q1 202550$34.6M8.76%2.07%0.58%54.8%
Q4 202458$34.4M8.64%1.09%0.41%55.5%
Q3 202460$34.9M8.59%1.05%0.66%57.2%
Q2 202455$35.4M8.36%1.49%0.66%57.1%

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 ratio9.00%
9th
Problem loans0.29%
69th
Net charge-offs0.38%
33rd
Return on assets0.51%
42nd
Loans to deposits51.9%
61st
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio1.5%
58th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Social Security Credit UnionCredit union Birmingham, AL84 out of 100, Strong$37.4M22.6%1.47%vs
Lauderdale County Teachers Credit UnionCredit union Florence, AL90 out of 100, Very strong$38.5M12.8%0.00%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
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

Deposit insurance

Is my money safe at Wcu Credit Union?

Yes. Wcu Credit Union is a federally insured credit union (NCUA charter #61150). 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 0.1% of shares and deposits ($41K) 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 9.00%, 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

Wcu Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wcu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61150
RSSD ID
371894
Primary regulator
State + NCUA
Established
1948
Headquarters
2505 Highway 31 S, Decatur, AL 35603
Employees
14

Quick answers

Wcu Credit Union: common questions

Is Wcu Credit Union NCUA insured?

Yes. Wcu Credit Union is a federally insured credit union (NCUA charter #61150). 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 Wcu Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Wcu Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Decatur

InstitutionScoreAssetsCapitalProblem loansCompare
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
TVA Community Credit UnionCredit union Muscle Shoals, AL90 out of 100, Very strong$429.0M18.4%0.32%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs