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
- PHOTO 80/100
- BOOK 16.4%
- CHARTER 0.71%
- NCUSIF 0.04%
- CAMELS $2.8M
- HEALTH 614
- NW #2,702/4,374
- DELQ n/a
- ROA 9554
Call Report peers
COUNCILL carries $2.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COUNCILL 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
80 36th percentile higher than 36% 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
COUNCILL - Share Insurance Coverage
Charter #9554'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.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 COUNCILL
COUNCILL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $2.8M (2025Q4) to $2.8M (2026Q1).
- Net-worth ratio shifted +1.41 pp (15.01% → 16.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
COUNCILL's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 COUNCILL financially healthy?
COUNCILL has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,702 of 4,374; by total assets it ranks #4,068 of 4,374 nationally (same basis as /rankings/largest); and #85 of 89 within Alabama. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.42% and delinquency rate of 0.71%.
How does COUNCILL compare to other credit unions?
80/100 is COUNCILL's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like COUNCILL 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. COUNCILL's net worth ratio of 16.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COUNCILL offer compared to banks?
Credit unions like COUNCILL 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 COUNCILL 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.