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
- DELQ 84/100
- ROA 14.0%
- ASSETS 0.20%
- MEM 0.66%
- RANK $20.1M
- PHOTO 3,001
- BOOK #2,092/4,374
- CHARTER Diversified General
- NCUSIF 12383
Call Report peers
East Alabama Community in the assets neighbourhood
East Alabama Community's $20.1M assets sit next to Diversified General ($20.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
East Alabama Community: 2025Q4 → 2026Q1
East Alabama Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $20.1M (2025Q4) to $21.0M (2026Q1).
- Net-worth ratio shifted -0.51 pp (14.49% → 13.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for East Alabama Community - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,092 of 4,374; by total assets it ranks #3,148 of 4,374 nationally (same basis as /rankings/largest); and #60 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.98% 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 13.98% 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.
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.