State credit union · Anniston, Alabama · NCUA charter #61800
Fort Mcclellan
Health score 71/100 (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 - 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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)81
- Earnings (ROA)12
- Member growth59
- Liquidity (loan-to-share)69
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.73% | 30% |
| Delinquency Rate | 0.98% | 25% |
| Return on Assets | -0.30% | 15% |
| Member Growth | -0.05% | 15% |
| Loan-to-Share Ratio | 47.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fort Mcclellan
Charter #61800, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Fort Mcclellan, a state credit union in Anniston, Alabama with 15,295 members, $222.5M in total assets, and $95.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 71/100 (Very Good), helped by a net worth ratio of 12.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 47.59% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.98% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at -0.30% on net income of $-670749 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 -0.05%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.73% 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 12.73% 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.
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.