State credit union · Anniston, Alabama · NCUA charter #61800
Fort Mcclellan
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $222.5M
- Total assets
- 15,295
- Members
- 12.7%
- Net-worth ratio
Fort Mcclellan scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $222.5M; members 15,295; net-worth ratio 12.68%; health rank #3,527 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,527 of 4,374 health · 2025Q4Fort Mcclellan · health 71/100 · $222.5M · 2025Q4
- RANK 71/100
- PHOTO 12.7%
- BOOK 0.98%
- CHARTER -0.30%
- NCUSIF $222.5M
- CAMELS 15,295
- HEALTH #3,527/4,374
- NW STALEY
- DELQ 61800
Call Report peers
Fort Mcclellan in the assets neighbourhood
Fort Mcclellan's $222.5M assets sit next to STALEY ($222.1M) 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.
Fort Mcclellan 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
71 18th percentile higher than 18% 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
Fort Mcclellan - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61800, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Fort Mcclellan vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.57 pp (12.68% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 47.59% vs peer 72.20% (-24.61 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Fort Mcclellan
- In Alabama, health place is #72 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #24 of 89 inside Alabama ($222.5M reported).
- Membership ranks #26 of 89 among Alabama CUs with a reported count (15,295 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.
Fort Mcclellan Call Report trajectory
Fort Mcclellan: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $222.5M (2025Q4) to $224.7M (2026Q1).
- Net-worth ratio shifted -0.08 pp (12.76% → 12.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 1.8 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 10.1 pts
Fort Mcclellan vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.68% | +0.57 pp |
| Delinquency Rate | 0.98% | +0.08 pp |
| Return on Assets | -0.30% | -0.92 pp |
| Member Growth | -0.05% | - |
| Loan-to-Share Ratio | 47.59% | -24.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Fort Mcclellan
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $224.7M | - |
| 2025Q4 | $222.5M | 15,295 |
| 2024Q4 | $219.6M | 15,302 |
| 2023Q4 | $234.2M | 15,766 |
Credit Union Details
- Charter Number
- 61800
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Anniston
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Fort Mcclellan, spread across 5 cities.
| Office | City |
|---|---|
| Golden Springs Corporate Office (Main Office) | Anniston, AL |
| Anniston | Anniston, AL |
| Jacksonville | Jacksonville, AL |
| Ohatchee | OHATCHEE, AL |
| Pell City | Pell City, AL |
| Roanoke | Roanoke, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Fort Mcclellan nationwide neighbourhoods
Fort Mcclellan's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($222.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Fort Mcclellan ranks #3,527 of 4,374 nationally on financial health and #72 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NAHEOLA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NAHEOLA
- 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 Fort Mcclellan financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Fort Mcclellan carries a financial health score of 71/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,527 of 4,374; by total assets it ranks #1,206 of 4,374 nationally (same basis as /rankings/largest); and #24 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.68% net worth ratio and a 0.98% delinquency rate.
How does Fort Mcclellan compare to other credit unions?
71/100 is Fort Mcclellan's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Fort Mcclellan?
Membership eligibility for Fort Mcclellan depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fort Mcclellan directly for current membership requirements and application steps.
Is my money safe at Fort Mcclellan?
Federal credit unions like Fort Mcclellan 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. Fort Mcclellan's net worth ratio of 12.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Mcclellan offer compared to banks?
Credit unions like Fort Mcclellan 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 Fort Mcclellan 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.