Federal credit union · MONTGOMERY, Alabama · NCUA charter #5345
Montgomery Va
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $6.4M
- Total assets
- 747
- Members
- 12.2%
- Net-worth ratio
Montgomery Va scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.4M; members 747; net-worth ratio 12.20%; health rank #4,333 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,333 of 4,374 health · 2025Q4Montgomery Va · health 41/100 · $6.4M · 2025Q4
- DELQ 41/100
- ROA 12.2%
- ASSETS 3.55%
- MEM -0.90%
- RANK $6.4M
- PHOTO 747
- BOOK #4,333/4,374
- CHARTER n/a
- NCUSIF 5345
Call Report peers
Montgomery Va carries $6.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Montgomery Va 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
41 1st percentile higher than 1% 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
Montgomery Va - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5345 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Montgomery Va vs $2M–$10M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -37.39 pp (26.21% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Montgomery Va in Alabama
- Alabama health ordinal: #88 of 89.
- Alabama assets place: #75 of 89.
- Member book place in Alabama: #79 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 Montgomery Va
Montgomery Va: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -6.2% from $6.4M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted +0.64 pp (11.56% → 12.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 41/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 41.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.8 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.2 pts
Montgomery Va vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | -6.86 pp |
| Delinquency Rate | 3.55% | +1.75 pp |
| Return on Assets | -0.90% | -1.35 pp |
| Member Growth | -5.92% | - |
| Loan-to-Share Ratio | 26.21% | -37.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Montgomery Va quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.0M | - |
| 2025Q4 | $6.4M | 747 |
| 2024Q4 | $6.8M | 794 |
| 2023Q4 | $7.2M | 839 |
Credit Union Details
- Charter Number
- 5345
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- MONTGOMERY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Montgomery Va.
| Office | City |
|---|---|
| MONTGOMERY VA FEDERAL CREDIT UNION (Main Office) | MONTGOMERY, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Cross-state Call Report peers for Montgomery Va
Cross-state asset and health neighbours for Montgomery Va - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (41/100 here).
Using this data
- Montgomery Va ranks #4,333 of 4,374 nationally on financial health and #88 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alabama Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alabama Postal
- 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 Montgomery Va financially healthy?
Montgomery Va scores 41/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,333 of 4,374; by total assets it ranks #3,771 of 4,374 nationally (same basis as /rankings/largest); and #75 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.20% net worth ratio and a 3.55% delinquency rate.
How does Montgomery Va compare to other credit unions?
Five weighted metrics from NCUA filings produce Montgomery Va's 41/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Montgomery Va?
Montgomery Va 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 Montgomery Va directly for the exact boundaries and application steps.
Is my money safe at Montgomery Va?
Federal credit unions like Montgomery Va 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. Montgomery Va's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Montgomery Va offer compared to banks?
Credit unions like Montgomery Va 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 Montgomery Va 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.