State credit union · Auburn, Alabama · NCUA charter #68701
Auburn University
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $262.0M
- Total assets
- 17,740
- Members
- 9.6%
- Net-worth ratio
Auburn University scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $262.0M; members 17,740; net-worth ratio 9.57%; health rank #1,704 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,704 of 4,374 health · 2025Q4Auburn University · health 87/100 · $262.0M · 2025Q4
- NCUSIF 87/100
- CAMELS 9.6%
- HEALTH 0.98%
- NW 0.34%
- DELQ $262.0M
- ROA 17,740
- ASSETS #1,704/4,374
- MEM Members Trust of the Southwest
- RANK 68701
Call Report peers
Auburn University in the assets neighbourhood
Auburn University's $262.0M assets sit next to Members Trust of the Southwest ($262.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Auburn University vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Auburn University - Share Insurance Coverage
Charter #68701's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Auburn University vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.53 pp (59.67% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Auburn University sits in Alabama
- In Alabama, health place is #32 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #22 of 89 inside Alabama ($262.0M reported).
- Membership ranks #24 of 89 among Alabama CUs with a reported count (17,740 members).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Auburn University: 2025Q4 → 2026Q1
Auburn University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $262.0M (2025Q4) to $269.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.69% → 9.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 20.2 pts
- Return on Assets 12.5 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 13.2 pts
Auburn University health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.57% | -2.54 pp |
| Delinquency Rate | 0.98% | +0.08 pp |
| Return on Assets | 0.34% | -0.29 pp |
| Member Growth | 2.67% | - |
| Loan-to-Share Ratio | 59.67% | -12.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Auburn University
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $269.1M | - |
| 2025Q4 | $262.0M | 17,740 |
| 2024Q4 | $242.6M | 17,279 |
| 2023Q4 | $243.4M | 16,933 |
Credit Union Details
- Charter Number
- 68701
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Auburn
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Auburn University runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Auburn, AL |
| N. College St. Branch | Auburn, AL |
| Eastchase | Montgomery, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Auburn University nationwide neighbourhoods
Auburn University's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($262.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Auburn University ranks #1,704 of 4,374 nationally on financial health and #32 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Horizons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Horizons
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Auburn University financially healthy?
A 9.57% net worth ratio and a 0.98% delinquency rate feed into Auburn University's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,704 of 4,374; by total assets it ranks #1,105 of 4,374 nationally (same basis as /rankings/largest); and #22 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Auburn University compare to other credit unions?
On PlainCU's health composite, Auburn University lands at 87/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Auburn University?
Membership eligibility for Auburn University depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Auburn University directly for current membership requirements and application steps.
Is my money safe at Auburn University?
Federal credit unions like Auburn University are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Auburn University's net worth ratio of 9.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Auburn University offer compared to banks?
Credit unions like Auburn University are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Auburn University directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.