Federal credit union · OPELIKA, Alabama · NCUA charter #12383
East Alabama Community
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $20.1M
- Total assets
- 3,001
- Members
- 14.0%
- Net-worth ratio
East Alabama Community scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 3,001; net-worth ratio 13.98%; health rank #2,092 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,092 of 4,374 health · 2025Q4East Alabama Community · health 84/100 · $20.1M · 2025Q4
Call Report peers
East Alabama Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
East Alabama Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); East Alabama Community sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 East Alabama Community diverges from peer averages
- Delinquency Rate leads the peer set - 0.20% here, 1.15% peer average (-0.95 pp).
- Loan-to-Share Ratio trails the peer set - 32.93% here, 59.80% peer average (-26.87 pp).
Alabama standing for East Alabama Community
- Alabama health ordinal: #41 of 89.
- Assets rank #60 of 89 inside Alabama ($20.1M reported).
- Member book place in Alabama: #50 of 89.
- One place up in Alabama, Birmingham City (#40) ties at 84/100; one place down, EMBLEM (#42) ties at 84/100.
East Alabama Community: 2025Q4 → 2026Q1
East Alabama Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $20.1M (2025Q4) to $21.0M (2026Q1).
- Net-worth ratio shifted -0.51 pp (14.49% → 13.98%).
This credit union's 13.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
East Alabama Community gives up 16 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for East Alabama Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.98% | -0.88 pp |
| Delinquency Rate | 0.20% | -0.95 pp |
| Return on Assets | 0.66% | -0.05 pp |
| Member Growth | -2.02% | - |
| Loan-to-Share Ratio | 32.93% | -26.87 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.0M | - |
| 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
Branch Location
East Alabama Community operates a single office in OPELIKA, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| EAC FCU (Main Office) | OPELIKA, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Cross-state Call Report peers for East Alabama Community
Similar total assets
Similar health score
Using this data
- East Alabama Community ranks #2,092 of 4,374 nationally on financial health and #41 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Railway Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Railway Employees
Frequently Asked Questions
Is East Alabama Community financially healthy?
On its 2025Q4 NCUA 5300 filing, East Alabama Community scores 84/100 (Excellent), with a 13.98% net worth ratio and 0.20% of loans delinquent. It ranks #2,092 of 4,374 nationally on health and #41 of 89 in Alabama.
How does East Alabama Community compare to other credit unions?
East Alabama Community scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.20% vs 1.15%). Its widest shortfall is loan-to-share ratio (32.93% vs 59.80%).
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?
East Alabama Community 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. East Alabama Community's net worth ratio of 13.98% 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.