Federal credit union · Florence, Alabama · NCUA charter #13167
FLORENCE
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $66.6M
- Total assets
- 3,948
- Members
- 13.8%
- Net-worth ratio
FLORENCE scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $66.6M; members 3,948; net-worth ratio 13.77%; health rank #3,262 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,262 of 4,374 health · 2025Q4FLORENCE · health 75/100 · $66.6M · 2025Q4
Call Report peers
FLORENCE in the assets neighbourhood
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FLORENCE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FLORENCE sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for FLORENCE
- Net Worth Ratio leads the peer set - 13.77% here, 13.62% peer average (+0.15 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.43 pp (46.17% vs 62.60%).
FLORENCE in Alabama
- In Alabama, health place is #68 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, FLORENCE is #39 of 89 in Alabama.
- Membership ranks #46 of 89 among Alabama CUs with a reported count (3,948 members).
- One place up in Alabama, Azalea City (#67) ties at 75/100; one place down, Northeast Alabama Postal (#69) scores 74/100, 1 point lower.
FLORENCE Call Report trajectory
FLORENCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $66.6M (2025Q4) to $66.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (13.70% → 13.77%).
13.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
FLORENCE gives up 25 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.5 pts
- Return on Assets 12.1 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 9.9 pts
FLORENCE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.77% | +0.15 pp |
| Delinquency Rate | 1.46% | +0.50 pp |
| Return on Assets | 0.31% | -0.35 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 46.17% | -16.43 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - FLORENCE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.6M | - |
| 2025Q4 | $66.6M | 3,948 |
| 2024Q4 | $68.1M | 4,004 |
| 2023Q4 | $67.4M | 4,008 |
Credit Union Details
- Charter Number
- 13167
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- Florence
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for FLORENCE.
| Office | City |
|---|---|
| Florence Federal Credit Union (Main Office) | Florence, AL |
| Florence Federal Credit Union | Florence, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- FLORENCE ranks #3,262 of 4,374 nationally on financial health and #68 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rocket City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rocket City
Frequently Asked Questions
Is FLORENCE financially healthy?
FLORENCE has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,262 of 4,374 nationally on health and #68 of 89 in Alabama. Its net worth ratio is 13.77% and its delinquency rate 1.46%.
How does FLORENCE compare to other credit unions?
FLORENCE scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (13.77% vs 13.62%). Its widest shortfall is loan-to-share ratio (46.17% vs 62.60%).
How can I join FLORENCE?
FLORENCE 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 FLORENCE directly for the exact boundaries and application steps.
Is my money safe at FLORENCE?
FLORENCE 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. FLORENCE's net worth ratio of 13.77% 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.