State credit union · Pennington, Alabama · NCUA charter #62661
NAHEOLA
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $213.6M
- Total assets
- 12,741
- Members
- 17.6%
- Net-worth ratio
NAHEOLA scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $213.6M; members 12,741; net-worth ratio 17.61%; health rank #584 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#584 of 4,374 health · 2025Q4NAHEOLA · health 93/100 · $213.6M · 2025Q4
Call Report peers
NAHEOLA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NAHEOLA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NAHEOLA sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 NAHEOLA
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.70 pp (89.90% vs 72.20%).
- Delinquency Rate trails the peer set - 1.07% here, 0.89% peer average (+0.17 pp).
NAHEOLA: in-state Call Report ranks
- Alabama health ordinal: #9 of 89.
- By total assets, NAHEOLA is #25 of 89 in Alabama.
- Member book place in Alabama: #30 of 89.
- One place up in Alabama, CHEMCO (#8) ties at 93/100; one place down, Coosa Pines (#10) ties at 93/100.
How NAHEOLA's 5300 filing moved
NAHEOLA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $213.6M (2025Q4) to $218.7M (2026Q1).
- Net-worth ratio shifted -0.05 pp (17.66% → 17.61%).
17.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
NAHEOLA gives up 7 points in total. Delinquency Rate costs the most, 5.5 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 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 15.5 pts
NAHEOLA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.61% | +5.50 pp |
| Delinquency Rate | 1.07% | +0.17 pp |
| Return on Assets | 1.06% | +0.44 pp |
| Member Growth | 3.37% | - |
| Loan-to-Share Ratio | 89.90% | +17.70 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
NAHEOLA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $218.7M | - |
| 2025Q4 | $213.6M | 12,741 |
| 2024Q4 | $197.0M | 12,326 |
| 2023Q4 | $181.2M | 11,863 |
Credit Union Details
- Charter Number
- 62661
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Pennington
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for NAHEOLA, spread across 4 cities.
| Office | City |
|---|---|
| Pennington (Main Office) | Pennington, AL |
| Butler | Butler, AL |
| Demopolis | Demopolis, AL |
| Livingston | Livingston, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near NAHEOLA
Similar total assets
Using this data
- NAHEOLA ranks #584 of 4,374 nationally on financial health and #9 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALATRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALATRUST
Frequently Asked Questions
Is NAHEOLA financially healthy?
NAHEOLA has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #584 of 4,374 nationally on health and #9 of 89 in Alabama. Its net worth ratio is 17.61% and its delinquency rate 1.07%.
How does NAHEOLA compare to other credit unions?
NAHEOLA scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.90% vs 72.20%). Its widest shortfall is delinquency rate (1.07% vs 0.89%).
How can I join NAHEOLA?
Membership eligibility for NAHEOLA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NAHEOLA directly for current membership requirements and application steps.
Is my money safe at NAHEOLA?
NAHEOLA 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. NAHEOLA's net worth ratio of 17.61% 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.