Federal credit union · NORMAL, Alabama · NCUA charter #9554
COUNCILL
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $2.8M
- Total assets
- 614
- Members
- 16.4%
- Net-worth ratio
COUNCILL scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.8M; members 614; net-worth ratio 16.42%; health rank #2,702 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,702 of 4,374 health · 2025Q4COUNCILL · health 80/100 · $2.8M · 2025Q4
Call Report peers
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COUNCILL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COUNCILL sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for COUNCILL
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.09 pp (0.71% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -35.25 pp (28.35% vs 63.60%).
Where COUNCILL sits in Alabama
- In Alabama, health place is #58 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, COUNCILL is #85 of 89 in Alabama.
- Member book place in Alabama: #83 of 89.
- One place up in Alabama, Lauderdale County Teachers (#57) scores 81/100, 1 point higher; one place down, North Alabama Educators (#59) scores 79/100, 1 point lower.
Quarter path for COUNCILL
COUNCILL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $2.8M (2025Q4) to $2.8M (2026Q1).
- Net-worth ratio shifted +1.41 pp (15.01% → 16.42%).
16.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
COUNCILL gives up 20 points in total. Return on Assets costs the most, 8.5 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 6.5 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for COUNCILL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.42% | -2.64 pp |
| Delinquency Rate | 0.71% | -1.09 pp |
| Return on Assets | 0.04% | -0.41 pp |
| Member Growth | 2.16% | - |
| Loan-to-Share Ratio | 28.35% | -35.25 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.8M | - |
| 2025Q4 | $2.8M | 614 |
| 2024Q4 | $2.8M | 601 |
| 2023Q4 | $2.0M | 579 |
Credit Union Details
- Charter Number
- 9554
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- NORMAL
- Data Quarter
- 2025Q4
Branch Locations (3)
COUNCILL operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Councill Federal Credit Union (Main Office) | Normal, AL |
| INTGERSYS | FRISCO, TX |
| NORTH ALABAMA EDUCATOR | HUNTSVILLE, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- COUNCILL ranks #2,702 of 4,374 nationally on financial health and #58 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U S Pipe Bessemer Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U S Pipe Bessemer Employees
Frequently Asked Questions
Is COUNCILL financially healthy?
COUNCILL has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,702 of 4,374 nationally on health and #58 of 89 in Alabama. Its net worth ratio is 16.42% and its delinquency rate 0.71%.
How does COUNCILL compare to other credit unions?
COUNCILL scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.71% vs 1.81%). Its widest shortfall is loan-to-share ratio (28.35% vs 63.60%).
How can I join COUNCILL?
COUNCILL 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 COUNCILL directly for the exact boundaries and application steps.
Is my money safe at COUNCILL?
COUNCILL 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. COUNCILL's net worth ratio of 16.42% 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.