State credit union · TUSCALOOSA, Alabama · NCUA charter #62062
CITY
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $19.4M
- Total assets
- 1,585
- Members
- 24.5%
- Net-worth ratio
CITY scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.4M; members 1,585; net-worth ratio 24.54%; health rank #871 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#871 of 4,374 health · 2025Q4CITY · health 91/100 · $19.4M · 2025Q4
Call Report peers
CITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CITY sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
CITY: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 84.96% here, 59.80% peer average (+25.16 pp).
- Return on Assets trails the peer set - 0.62% here, 0.70% peer average (-0.09 pp).
CITY in Alabama
- Alabama health ordinal: #14 of 89.
- Alabama assets place: #62 of 89.
- Alabama membership ordinal: #65 of 89.
- One place up in Alabama, Andalusia Mills Employees Credit as (#13) scores 92/100, 1 point higher; one place down, ALABAMA (#15) ties at 91/100.
CITY: 2025Q4 → 2026Q1
CITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.6% from $19.4M (2025Q4) to $20.5M (2026Q1).
- Net-worth ratio shifted -1.06 pp (25.60% → 24.54%).
This credit union's 24.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
CITY gives up 9 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 15.3 pts
CITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.54% | +9.68 pp |
| Delinquency Rate | 0.41% | -0.73 pp |
| Return on Assets | 0.62% | -0.09 pp |
| Member Growth | -1.86% | - |
| Loan-to-Share Ratio | 84.96% | +25.16 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.5M | - |
| 2025Q4 | $19.4M | 1,585 |
| 2024Q4 | $19.1M | 1,615 |
| 2023Q4 | $21.6M | 1,567 |
Credit Union Details
- Charter Number
- 62062
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- TUSCALOOSA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, CITY runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MAIN (Main Office) | TUSCALOOSA, AL |
| Riverfall Credit Union | Tuscaloosa, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
CITY nationwide neighbourhoods
Similar total assets
Using this data
- CITY ranks #871 of 4,374 nationally on financial health and #14 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Federal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Federal Employees
Frequently Asked Questions
Is CITY financially healthy?
CITY has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #871 of 4,374 nationally on health and #14 of 89 in Alabama. Its net worth ratio is 24.54% and its delinquency rate 0.41%.
How does CITY compare to other credit unions?
CITY scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.96% vs 59.80%). Its widest shortfall is return on assets (0.62% vs 0.70%).
How can I join CITY?
Membership eligibility for CITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CITY directly for current membership requirements and application steps.
Is my money safe at CITY?
CITY is a state-chartered 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. CITY's net worth ratio of 24.54% 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.