Federal credit union · Childersburg, Alabama · NCUA charter #6774
Coosa Pines
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $399.9M
- Total assets
- 26,013
- Members
- 16.0%
- Net-worth ratio
Coosa Pines scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $399.9M; members 26,013; net-worth ratio 15.98%; health rank #589 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#589 of 4,374 health · 2025Q4Coosa Pines · health 93/100 · $399.9M · 2025Q4
Call Report peers
Coosa Pines in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Coosa Pines vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Coosa Pines sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Where Coosa Pines diverges from peer averages
- Net Worth Ratio leads the peer set - 15.98% here, 12.11% peer average (+3.87 pp).
Alabama standing for Coosa Pines
- Alabama health ordinal: #10 of 89.
- Alabama assets place: #20 of 89.
- Alabama membership ordinal: #19 of 89.
- One place up in Alabama, NAHEOLA (#9) ties at 93/100; one place down, ACIPCO (#11) ties at 93/100.
Quarter path for Coosa Pines
Coosa Pines: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $399.9M (2025Q4) to $413.6M (2026Q1).
- Net-worth ratio shifted -0.13 pp (16.11% → 15.98%).
15.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Coosa Pines gives up 7 points in total. Delinquency Rate costs the most, 3.7 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Coosa Pines
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.98% | +3.87 pp |
| Delinquency Rate | 0.87% | -0.02 pp |
| Return on Assets | 1.04% | +0.42 pp |
| Member Growth | 1.98% | - |
| Loan-to-Share Ratio | 73.40% | +1.20 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $413.6M | - |
| 2025Q4 | $399.9M | 26,013 |
| 2024Q4 | $371.5M | 25,509 |
| 2023Q4 | $359.9M | 25,367 |
Credit Union Details
- Charter Number
- 6774
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Childersburg
- Data Quarter
- 2025Q4
Branch Locations (5)
Coosa Pines operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Coosa Pines Federal Credit Union (Main Office) | Childersburg, AL |
| Coosa Pines Federal Credit Union | Chelsea, AL |
| Coosa Pines Federal Credit Union | Pell City, AL |
| Coosa Pines Federal Credit Union | Sylacauga, AL |
| Coosa Pines Federal Credit Union | Vincent, 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.
Other-state peers near Coosa Pines
Using this data
- Coosa Pines ranks #589 of 4,374 nationally on financial health and #10 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tva Community Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tva Community Credit Union
Frequently Asked Questions
Is Coosa Pines financially healthy?
On its 2025Q4 NCUA 5300 filing, Coosa Pines scores 93/100 (Excellent), with a 15.98% net worth ratio and 0.87% of loans delinquent. It ranks #589 of 4,374 nationally on health and #10 of 89 in Alabama.
How does Coosa Pines compare to other credit unions?
Coosa Pines scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.98% vs 12.11%).
How can I join Coosa Pines?
Coosa Pines 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 Coosa Pines directly for the exact boundaries and application steps.
Is my money safe at Coosa Pines?
Coosa Pines 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. Coosa Pines's net worth ratio of 15.98% 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.