Federal credit union · anniston, Alabama · NCUA charter #11056
Northeast Alabama Postal
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $13.1M
- Total assets
- 1,237
- Members
- 15.8%
- Net-worth ratio
Northeast Alabama Postal scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.1M; members 1,237; net-worth ratio 15.78%; health rank #3,322 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,322 of 4,374 health · 2025Q4Northeast Alabama Postal · health 74/100 · $13.1M · 2025Q4
Call Report peers
Northeast Alabama Postal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northeast Alabama Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northeast Alabama Postal sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Northeast Alabama Postal vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 88.20% vs peer 59.80% (+28.40 pp).
- Largest lag: Return on Assets at -2.64% vs peer 0.70% (-3.34 pp).
Northeast Alabama Postal: in-state Call Report ranks
- Alabama health ordinal: #69 of 89.
- Alabama assets place: #66 of 89.
- Membership ranks #69 of 89 among Alabama CUs with a reported count (1,237 members).
- One place up in Alabama, FLORENCE (#68) scores 75/100, 1 point higher; one place down, The Bridgeway (#70) scores 73/100, 1 point lower.
Quarter path for Northeast Alabama Postal
Northeast Alabama Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $13.1M (2025Q4) to $13.9M (2026Q1).
- Net-worth ratio shifted -1.02 pp (16.80% → 15.78%).
This credit union's 15.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Northeast Alabama Postal gives up 26 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 0.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.78% | +0.92 pp |
| Delinquency Rate | 1.08% | -0.06 pp |
| Return on Assets | -2.64% | -3.34 pp |
| Member Growth | 0.65% | - |
| Loan-to-Share Ratio | 88.20% | +28.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Northeast Alabama Postal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.9M | - |
| 2025Q4 | $13.1M | 1,237 |
| 2024Q4 | $13.9M | 1,229 |
| 2023Q4 | $14.7M | 1,242 |
Credit Union Details
- Charter Number
- 11056
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- anniston
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Northeast Alabama Postal.
| Office | City |
|---|---|
| Northeast Alabama POstal FCU (Main Office) | Anniston, 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
- Northeast Alabama Postal ranks #3,322 of 4,374 nationally on financial health and #69 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FEDMONT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FEDMONT
Frequently Asked Questions
Is Northeast Alabama Postal financially healthy?
Northeast Alabama Postal has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,322 of 4,374 nationally on health and #69 of 89 in Alabama. Its net worth ratio is 15.78% and its delinquency rate 1.08%.
How does Northeast Alabama Postal compare to other credit unions?
Northeast Alabama Postal scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (88.20% vs 59.80%). Its widest shortfall is return on assets (-2.64% vs 0.70%).
How can I join Northeast Alabama Postal?
Northeast Alabama Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Northeast Alabama Postal directly to confirm current membership steps.
Is my money safe at Northeast Alabama Postal?
Northeast Alabama Postal is a federal 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. Northeast Alabama Postal's net worth ratio of 15.78% 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.