Federal credit union · VALLEY, Alabama · NCUA charter #24221
CHATTAHOOCHEE
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $23.4M
- Total assets
- 2,762
- Members
- 14.7%
- Net-worth ratio
CHATTAHOOCHEE scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.4M; members 2,762; net-worth ratio 14.67%; health rank #1,220 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,220 of 4,374 health · 2025Q4CHATTAHOOCHEE · health 89/100 · $23.4M · 2025Q4
Call Report peers
CHATTAHOOCHEE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHATTAHOOCHEE vs every NCUA-scored credit union
CHATTAHOOCHEE sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CHATTAHOOCHEE diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +13.99 pp (73.79% vs 59.80%).
- Net Worth Ratio trails the peer set - 14.67% here, 14.86% peer average (-0.19 pp).
CHATTAHOOCHEE in Alabama
- In Alabama, health place is #22 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #58 of 89 inside Alabama ($23.4M reported).
- Alabama membership ordinal: #52 of 89.
- One place up in Alabama, University of South Alabama (#21) ties at 89/100; one place down, Five Star (#23) ties at 89/100.
Quarter path for CHATTAHOOCHEE
CHATTAHOOCHEE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $23.4M (2025Q4) to $23.5M (2026Q1).
- Net-worth ratio shifted +0.33 pp (14.34% → 14.67%).
This credit union's 14.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
CHATTAHOOCHEE gives up 11 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.67% | -0.19 pp |
| Delinquency Rate | 0.71% | -0.44 pp |
| Return on Assets | 1.46% | +0.75 pp |
| Member Growth | -1.85% | - |
| Loan-to-Share Ratio | 73.79% | +13.99 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CHATTAHOOCHEE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.5M | - |
| 2025Q4 | $23.4M | 2,762 |
| 2024Q4 | $22.2M | 2,814 |
| 2023Q4 | $21.0M | 2,887 |
Credit Union Details
- Charter Number
- 24221
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- VALLEY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CHATTAHOOCHEE.
| Office | City |
|---|---|
| Main Office (Main Office) | VALLEY, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- CHATTAHOOCHEE ranks #1,220 of 4,374 nationally on financial health and #22 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Covington Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Covington Schools
Frequently Asked Questions
Is CHATTAHOOCHEE financially healthy?
CHATTAHOOCHEE has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,220 of 4,374 nationally on health and #22 of 89 in Alabama. Its net worth ratio is 14.67% and its delinquency rate 0.71%.
How does CHATTAHOOCHEE compare to other credit unions?
CHATTAHOOCHEE scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (73.79% vs 59.80%). Its widest shortfall is net worth ratio (14.67% vs 14.86%).
How can I join CHATTAHOOCHEE?
CHATTAHOOCHEE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CHATTAHOOCHEE directly for the exact boundaries and application steps.
Is my money safe at CHATTAHOOCHEE?
CHATTAHOOCHEE is a federal credit union; its shares are federally 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. CHATTAHOOCHEE's net worth ratio of 14.67% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.