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
- ASSETS 84/100
- MEM 10.9%
- RANK 0.84%
- PHOTO 0.34%
- BOOK $1.43B
- CHARTER 91,501
- NCUSIF #2,136/4,374
- CAMELS Christian Community
- HEALTH 63057
Call Report peers
LISTERHILL in the assets neighbourhood
LISTERHILL's $1.43B assets sit next to Christian Community ($1.44B) 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.
LISTERHILL 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
84 Top 50% higher than 50% 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
LISTERHILL - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63057. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for LISTERHILL
LISTERHILL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $1.43B (2025Q4) to $1.46B (2026Q1).
- Net-worth ratio shifted -0.09 pp (11.04% → 10.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for LISTERHILL - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.43B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 LISTERHILL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LISTERHILL carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,136 of 4,374; by total assets it ranks #346 of 4,374 nationally (same basis as /rankings/largest); and #8 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.95% net worth ratio and a 0.84% delinquency rate.
How does LISTERHILL compare to other credit unions?
84/100 is LISTERHILL's score on PlainCU's health composite, compared to a peer group average for Over $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 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?
Federal credit unions like LISTERHILL 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. LISTERHILL's net worth ratio of 10.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LISTERHILL offer compared to banks?
Credit unions like LISTERHILL 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 LISTERHILL 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.