Federal credit union · Eutaw, Alabama · NCUA charter #22131

Federation of Greene County Empl.

Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

93
Health / 100
$1.8M
Total assets
907
Members
23.0%
Net-worth ratio

Federation of Greene County Empl. - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #22131 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for Federation of Greene County Empl. Share insurance under NCUSIF covers up to $250,000 per share owner. Federation of Greene County Empl. holds approximately $1.3M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 23.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 23.0% · $1.3M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Federation of Greene County Empl. - Five Health Pillars

Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 22.95% 30% weight
  • Asset quality (delinquency) 0.00% 25% weight
  • Earnings (ROA) 3.27% 15% weight
  • Member growth 4.25% 15% weight
  • Liquidity (loan-to-share) 35% 15% weight

Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

22.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$1.8M
Total Assets
907
Members
$441K
Total Loans
$1.3M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 22.95% 30%
Delinquency Rate 0.00% 25%
Return on Assets 3.27% 15%
Member Growth 4.25% 15%
Loan-to-Share Ratio 34.93% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.8M 907
2024Q4 $1.7M 870
2023Q4 $1.6M 851

Credit Union Details

Charter Number
22131
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
Alabama
City
Eutaw
Data Quarter
2025Q4

What This Data Says About Federation of Greene County Empl.

Headquartered in Eutaw, Alabama, Federation of Greene County Empl. is a federal credit union with 907 members, $1.8M in total assets, and $441K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 22.95% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #22131 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.

On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 34.93% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 3.27% on net income of $58K 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 4.25%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

Nearby Credit Unions in Alabama

Other federally-insured credit unions in Alabama, closest first by peer group and asset size.

Compare Federation of Greene County Empl. vs NRS COMMUNITY DEVELOPMENT

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 Federation of Greene County Empl. financially healthy?

Federation of Greene County Empl. scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.95% net worth ratio and a 0.00% delinquency rate.

How does Federation of Greene County Empl. compare to other credit unions?

PlainCU's health composite puts Federation of Greene County Empl. at 93/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Federation of Greene County Empl.?

Federation of Greene County Empl. 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 Federation of Greene County Empl. directly for the exact boundaries and application steps.

Is my money safe at Federation of Greene County Empl.?

Federal credit unions like Federation of Greene County Empl. 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. Federation of Greene County Empl.'s net worth ratio of 22.95% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Federation of Greene County Empl. offer compared to banks?

Credit unions like Federation of Greene County Empl. 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 Federation of Greene County Empl. 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.