State credit union · Sheffield, Alabama · NCUA charter #63057
LISTERHILL
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.43B
- Total assets
- 91,501
- Members
- 10.9%
- Net-worth ratio
LISTERHILL scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.43B; members 91,501; net-worth ratio 10.95%; health rank #2,136 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,136 of 4,374 health · 2025Q4LISTERHILL · health 84/100 · $1.43B · 2025Q4
Call Report peers
LISTERHILL in the assets neighbourhood
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LISTERHILL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LISTERHILL 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
Peer-gap read for LISTERHILL
- Delinquency Rate leads the peer set - 0.84% here, 0.87% peer average (-0.04 pp).
- Largest lag: Loan-to-Share Ratio at 83.65% vs peer 83.90% (-0.25 pp).
LISTERHILL in Alabama
- Alabama health ordinal: #43 of 89.
- Assets rank #8 of 89 inside Alabama ($1.43B reported).
- Membership ranks #8 of 89 among Alabama CUs with a reported count (91,501 members).
- One place up in Alabama, EMBLEM (#42) ties at 84/100; one place down, WINSOUTH (#44) ties at 84/100.
Quarter path for LISTERHILL
LISTERHILL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $1.43B (2025Q4) to $1.46B (2026Q1).
- Net-worth ratio shifted -0.09 pp (11.04% → 10.95%).
10.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
LISTERHILL gives up 16 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 12.6 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.95% | -0.23 pp |
| Delinquency Rate | 0.84% | -0.04 pp |
| Return on Assets | 0.34% | -0.17 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 83.65% | -0.25 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - LISTERHILL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.46B | - |
| 2025Q4 | $1.43B | 91,501 |
| 2024Q4 | $1.42B | 93,778 |
| 2023Q4 | $1.40B | 94,223 |
Credit Union Details
- Charter Number
- 63057
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Sheffield
- Data Quarter
- 2025Q4
Branch Locations (18)
The NCUA branch filing lists 18 physical offices for LISTERHILL, spread across 14 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Muscle Shoals, AL |
| Athens | Athens, AL |
| Columbia | Columbia, TN |
| Cullman | Cullman, AL |
| Double Springs | Double Springs, AL |
| Downtown | Florence, AL |
| Hough Road | Florence, AL |
| Petersville | Florence, AL |
| UNA | Florence, AL |
| Haleyville | Haleyville, AL |
| Hamilton | Hamilton, AL |
| Killen | Killen, AL |
| Muscle Shoals Flagship | Muscle Shoals, AL |
| Rogersville | Rogersville, AL |
| Russellville | Russellville, AL |
| Sheffield | Sheffield, AL |
| Spring Hill | Spring Hill, TN |
| Winfield | Winfield, 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
- LISTERHILL ranks #2,136 of 4,374 nationally on financial health and #43 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AVADIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AVADIAN
Frequently Asked Questions
Is LISTERHILL financially healthy?
On its 2025Q4 NCUA 5300 filing, LISTERHILL scores 84/100 (Excellent), with a 10.95% net worth ratio and 0.84% of loans delinquent. It ranks #2,136 of 4,374 nationally on health and #43 of 89 in Alabama.
How does LISTERHILL compare to other credit unions?
LISTERHILL scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.84% vs 0.87%). Its widest shortfall is loan-to-share ratio (83.65% vs 83.90%).
How can I join LISTERHILL?
Membership eligibility for LISTERHILL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LISTERHILL directly for current membership requirements and application steps.
Is my money safe at LISTERHILL?
LISTERHILL 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. LISTERHILL's net worth ratio of 10.95% 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.