State credit union · Birmingham, Alabama · NCUA charter #62664
HEALTH
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $27.6M
- Total assets
- 2,130
- Members
- 22.4%
- Net-worth ratio
HEALTH scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.6M; members 2,130; net-worth ratio 22.42%; health rank #2,203 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,203 of 4,374 health · 2025Q4HEALTH · health 83/100 · $27.6M · 2025Q4
Call Report peers
HEALTH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HEALTH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HEALTH sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Peer-gap read for HEALTH
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +29.54 pp (89.34% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +1.00 pp (2.14% vs 1.15%).
HEALTH: in-state Call Report ranks
- Alabama health ordinal: #46 of 89.
- Assets rank #56 of 89 inside Alabama ($27.6M reported).
- Member book place in Alabama: #56 of 89.
- One place up in Alabama, Four Seasons (#45) scores 84/100, 1 point higher; one place down, ANG (#47) ties at 83/100.
Quarter path for HEALTH
HEALTH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $27.6M (2025Q4) to $27.4M (2026Q1).
- Net-worth ratio shifted +0.22 pp (22.20% → 22.42%).
At 22.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
HEALTH gives up 17 points in total. Delinquency Rate costs the most, 13.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 14.6 pts
HEALTH health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.42% | +7.56 pp |
| Delinquency Rate | 2.14% | +1.00 pp |
| Return on Assets | 0.54% | -0.17 pp |
| Member Growth | 2.31% | - |
| Loan-to-Share Ratio | 89.34% | +29.54 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
HEALTH filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.4M | - |
| 2025Q4 | $27.6M | 2,130 |
| 2024Q4 | $28.0M | 2,082 |
| 2023Q4 | $26.6M | 2,064 |
Credit Union Details
- Charter Number
- 62664
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, HEALTH runs one office.
| Office | City |
|---|---|
| main office (Main Office) | Birmingham, 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.
Nationwide credit unions with similar profiles
Using this data
- HEALTH ranks #2,203 of 4,374 nationally on financial health and #46 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ANG is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ANG
Frequently Asked Questions
Is HEALTH financially healthy?
HEALTH has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,203 of 4,374 nationally on health and #46 of 89 in Alabama. Its net worth ratio is 22.42% and its delinquency rate 2.14%.
How does HEALTH compare to other credit unions?
HEALTH scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (89.34% vs 59.80%). Its widest shortfall is delinquency rate (2.14% vs 1.15%).
How can I join HEALTH?
Membership eligibility for HEALTH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HEALTH directly for current membership requirements and application steps.
Is my money safe at HEALTH?
HEALTH is a state-chartered 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. HEALTH's net worth ratio of 22.42% 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.