Federal credit union · Eufaula, Alabama · NCUA charter #18192
Mead Coated Board
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $40.6M
- Total assets
- 1,568
- Members
- 22.8%
- Net-worth ratio
Mead Coated Board scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.6M; members 1,568; net-worth ratio 22.81%; health rank #4,131 of 4,374; healthier than 5th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,131 of 4,374 health · 2025Q4Mead Coated Board · health 57/100 · $40.6M · 2025Q4
- CHARTER 57/100
- NCUSIF 22.8%
- CAMELS 7.90%
- HEALTH -0.10%
- NW $40.6M
- DELQ 1,568
- ROA #4,131/4,374
- ASSETS Lakehurst Naval
- MEM 18192
Call Report peers
Mead Coated Board in the assets neighbourhood
Mead Coated Board's $40.6M assets sit next to Lakehurst Naval ($40.6M) 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.
Mead Coated Board 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
57 5th percentile higher than 5% 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
Mead Coated Board - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18192. See our deposit-insurance coverage note.
Mead Coated Board: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 22.81% here, 14.86% peer average (+7.95 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.67 pp (33.13% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mead Coated Board: in-state Call Report ranks
- Health composite ranks #83 of 89 among scored Alabama credit unions.
- Alabama assets place: #50 of 89.
- Alabama membership ordinal: #66 of 89.
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 Mead Coated Board
Mead Coated Board: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $40.6M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted +0.24 pp (22.57% → 22.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 3.6 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.81% | +7.95 pp |
| Delinquency Rate | 7.90% | +6.75 pp |
| Return on Assets | -0.10% | -0.80 pp |
| Member Growth | 4.46% | - |
| Loan-to-Share Ratio | 33.13% | -26.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Mead Coated Board filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.5M | - |
| 2025Q4 | $40.6M | 1,568 |
| 2024Q4 | $43.4M | 1,501 |
| 2023Q4 | $49.1M | 1,515 |
Credit Union Details
- Charter Number
- 18192
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Eufaula
- Data Quarter
- 2025Q4
Branch Locations (2)
Mead Coated Board operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Pittsview, AL |
| Integrasys | Frisco, TX |
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.
Other-state peers near Mead Coated Board
Mead Coated Board's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- Mead Coated Board ranks #4,131 of 4,374 nationally on financial health and #83 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red Oak is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red Oak
- 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 Mead Coated Board financially healthy?
Yes/no aside, the number is 57/100 (Fair) - Mead Coated Board's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,131 of 4,374; by total assets it ranks #2,589 of 4,374 nationally (same basis as /rankings/largest); and #50 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.81% net worth ratio and 7.90% delinquency rate are the key drivers.
How does Mead Coated Board compare to other credit unions?
Five weighted metrics from NCUA filings produce Mead Coated Board's 57/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Mead Coated Board?
Mead Coated Board operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mead Coated Board directly for the exact boundaries and application steps.
Is my money safe at Mead Coated Board?
Federal credit unions like Mead Coated Board 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. Mead Coated Board's net worth ratio of 22.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mead Coated Board offer compared to banks?
Credit unions like Mead Coated Board 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 Mead Coated Board 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.