Federal credit union · OPELIKA, Alabama · NCUA charter #16479
Four Seasons
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $94.5M
- Total assets
- 9,539
- Members
- 8.5%
- Net-worth ratio
Four Seasons scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.5M; members 9,539; net-worth ratio 8.51%; health rank #2,188 of 4,374; healthier than 50th of scored peers.
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NCUA 5300 Call Report Masthead
#2,188 of 4,374 health · 2025Q4Four Seasons · health 84/100 · $94.5M · 2025Q4
Call Report peers
Four Seasons in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Four Seasons vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Four Seasons sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Four Seasons vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 66.86% here, 62.60% peer average (+4.26 pp).
- Largest lag: Net Worth Ratio at 8.51% vs peer 13.62% (-5.11 pp).
Alabama standing for Four Seasons
- Alabama health ordinal: #45 of 89.
- Alabama assets place: #36 of 89.
- Member book place in Alabama: #32 of 89.
- One place up in Alabama, WINSOUTH (#44) ties at 84/100; one place down, HEALTH (#46) scores 83/100, 1 point lower.
Four Seasons Call Report trajectory
Four Seasons: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.2% from $94.5M (2025Q4) to $102.3M (2026Q1).
- Net-worth ratio shifted -0.37 pp (8.88% → 8.51%).
This credit union's 8.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Four Seasons gives up 16 points in total. Delinquency Rate costs the most, 8 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.1 pts
Four Seasons vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.51% | -5.11 pp |
| Delinquency Rate | 1.41% | +0.44 pp |
| Return on Assets | 0.86% | +0.20 pp |
| Member Growth | 2.20% | - |
| Loan-to-Share Ratio | 66.86% | +4.26 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.3M | - |
| 2025Q4 | $94.5M | 9,539 |
| 2024Q4 | $91.0M | 9,334 |
| 2023Q4 | $86.8M | 9,101 |
Credit Union Details
- Charter Number
- 16479
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- OPELIKA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Four Seasons.
| Office | City |
|---|---|
| Pepperell (Main Office) | Opelika, AL |
| Marvyn | Opelika, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near Four Seasons
Using this data
- Four Seasons ranks #2,188 of 4,374 nationally on financial health and #45 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jefferson Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jefferson Credit Union
Frequently Asked Questions
Is Four Seasons financially healthy?
On its 2025Q4 NCUA 5300 filing, Four Seasons scores 84/100 (Excellent), with a 8.51% net worth ratio and 1.41% of loans delinquent. It ranks #2,188 of 4,374 nationally on health and #45 of 89 in Alabama.
How does Four Seasons compare to other credit unions?
Four Seasons scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (66.86% vs 62.60%). Its widest shortfall is net worth ratio (8.51% vs 13.62%).
How can I join Four Seasons?
Four Seasons serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Four Seasons directly for the current list of qualifying groups.
Is my money safe at Four Seasons?
Four Seasons 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. Four Seasons's net worth ratio of 8.51% 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.