Federal credit union · OPELIKA, Alabama · NCUA charter #12383
East Alabama Community
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $20.1M
- Total assets
- 3,001
- Members
- 14.5%
- Net-worth ratio
East Alabama Community - Share Insurance Coverage
Charter #12383'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.
East Alabama Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth36
- Liquidity (loan-to-share)60
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.49% | 30% |
| Delinquency Rate | 0.20% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | -2.02% | 15% |
| Loan-to-Share Ratio | 32.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $20.1M | 3,001 |
| 2024Q4 | $19.9M | 3,063 |
| 2023Q4 | $20.7M | 3,202 |
Credit Union Details
- Charter Number
- 12383
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- OPELIKA
- Data Quarter
- 2025Q4
What This Data Says About East Alabama Community
East Alabama Community is a federal credit union headquartered in OPELIKA, Alabama, serving 3,001 members with $20.1M in total assets and $5.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 14.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #12383 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 32.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.20% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.66% on net income of $132K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.02%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is East Alabama Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, East Alabama Community carries a financial health score of 84/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.49% net worth ratio and a 0.20% delinquency rate.
How does East Alabama Community compare to other credit unions?
84/100 is East Alabama Community'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 East Alabama Community?
East Alabama Community 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 East Alabama Community directly for the exact boundaries and application steps.
Is my money safe at East Alabama Community?
Federal credit unions like East Alabama Community 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. East Alabama Community's net worth ratio of 14.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does East Alabama Community offer compared to banks?
Credit unions like East Alabama Community 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 East Alabama Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.