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
- ROA 75/100
- ASSETS 13.8%
- MEM 1.46%
- RANK 0.31%
- PHOTO $66.6M
- BOOK 3,948
- CHARTER #3,262/4,374
- NCUSIF Moline Municipal
- CAMELS 13167
Call Report peers
FLORENCE in the assets neighbourhood
FLORENCE's $66.6M assets sit next to Moline Municipal ($66.6M) 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.
FLORENCE 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
75 24th percentile higher than 24% 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
FLORENCE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13167: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FLORENCE Call Report trajectory
FLORENCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $66.6M (2025Q4) to $66.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (13.70% → 13.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for FLORENCE - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($66.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- 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 FLORENCE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, FLORENCE carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,262 of 4,374; by total assets it ranks #2,179 of 4,374 nationally (same basis as /rankings/largest); and #39 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.77% net worth ratio and a 1.46% delinquency rate.
How does FLORENCE compare to other credit unions?
On PlainCU's health composite, FLORENCE lands at 75/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like FLORENCE 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. FLORENCE's net worth ratio of 13.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FLORENCE offer compared to banks?
Credit unions like FLORENCE 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 FLORENCE 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.