State credit union · BIRMINGHAM, Alabama · NCUA charter #62599
Federal Employees
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $19.4M
- Total assets
- 1,737
- Members
- 16.8%
- Net-worth ratio
Federal Employees scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.4M; members 1,737; net-worth ratio 16.76%; health rank #3,812 of 4,374; healthier than 12th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,812 of 4,374 health · 2025Q4Federal Employees · health 66/100 · $19.4M · 2025Q4
Call Report peers
Federal Employees in the assets neighbourhood
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Federal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Federal Employees sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Federal Employees: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 16.76% here, 14.86% peer average (+1.90 pp).
- Largest lag: Delinquency Rate at 2.60% vs peer 1.15% (+1.45 pp).
Where Federal Employees sits in Alabama
- Alabama health ordinal: #77 of 89.
- Assets rank #63 of 89 inside Alabama ($19.4M reported).
- Member book place in Alabama: #61 of 89.
- One place up in Alabama, OPP-MICOLAS (#76) scores 68/100, 2 points higher; one place down, Mobile Postal (#78) ties at 66/100.
Quarter path for Federal Employees
Federal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $19.4M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (16.81% → 16.76%).
This credit union's 16.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Federal Employees gives up 34 points in total. Delinquency Rate costs the most, 16.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.8 pts
- Return on Assets 9.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 13.0 pts
Federal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.76% | +1.90 pp |
| Delinquency Rate | 2.60% | +1.45 pp |
| Return on Assets | 0.10% | -0.60 pp |
| Member Growth | -2.09% | - |
| Loan-to-Share Ratio | 60.06% | +0.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Federal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.4M | - |
| 2025Q4 | $19.4M | 1,737 |
| 2024Q4 | $18.8M | 1,774 |
| 2023Q4 | $17.8M | 1,766 |
Credit Union Details
- Charter Number
- 62599
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- BIRMINGHAM
- Data Quarter
- 2025Q4
Branch Location
Federal Employees operates a single office in Birmingham, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Federal Employees Credit Union (Main Office) | Birmingham, 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
Using this data
- Federal Employees ranks #3,812 of 4,374 nationally on financial health and #77 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CITY
Frequently Asked Questions
Is Federal Employees financially healthy?
Federal Employees has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,812 of 4,374 nationally on health and #77 of 89 in Alabama. Its net worth ratio is 16.76% and its delinquency rate 2.60%.
How does Federal Employees compare to other credit unions?
Federal Employees scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.76% vs 14.86%). Its widest shortfall is delinquency rate (2.60% vs 1.15%).
How can I join Federal Employees?
Membership eligibility for Federal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Federal Employees directly for current membership requirements and application steps.
Is my money safe at Federal Employees?
Federal Employees is a state-chartered 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. Federal Employees's net worth ratio of 16.76% 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.