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
- HEALTH 89/100
- NW 14.7%
- DELQ 0.71%
- ROA 1.46%
- ASSETS $23.4M
- MEM 2,762
- RANK #1,220/4,374
- PHOTO Employees Choice
- BOOK 24221
Call Report peers
CHATTAHOOCHEE in the assets neighbourhood
CHATTAHOOCHEE's $23.4M assets sit next to Employees Choice ($23.4M) 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.
CHATTAHOOCHEE 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
89 Top 31% higher than 69% 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
CHATTAHOOCHEE - Share Insurance Coverage
Charter #24221'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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CHATTAHOOCHEE
CHATTAHOOCHEE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $23.4M (2025Q4) to $23.5M (2026Q1).
- Net-worth ratio shifted +0.33 pp (14.34% → 14.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
CHATTAHOOCHEE's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 CHATTAHOOCHEE financially healthy?
A 14.67% net worth ratio and a 0.71% delinquency rate feed into CHATTAHOOCHEE's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,220 of 4,374; by total assets it ranks #3,042 of 4,374 nationally (same basis as /rankings/largest); and #58 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CHATTAHOOCHEE compare to other credit unions?
89/100 is CHATTAHOOCHEE's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like CHATTAHOOCHEE 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. CHATTAHOOCHEE's net worth ratio of 14.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHATTAHOOCHEE offer compared to banks?
Credit unions like CHATTAHOOCHEE 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 CHATTAHOOCHEE 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.