Federal credit union · FORT PAYNE, Alabama · NCUA charter #15752
Nucor Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $2.5M
- Total assets
- 281
- Members
- 29.5%
- Net-worth ratio
Nucor Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 281; net-worth ratio 29.55%; health rank #1,541 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,541 of 4,374 health · 2025Q4Nucor Employees · health 87/100 · $2.5M · 2025Q4
- NW 87/100
- DELQ 29.5%
- ROA 0.14%
- ASSETS 0.30%
- MEM $2.5M
- RANK 281
- PHOTO #1,541/4,374
- BOOK n/a
- CHARTER 15752
Call Report peers
Nucor Employees carries $2.5M 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.
Nucor Employees 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
87 Top 40% higher than 60% 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
Nucor Employees - Share Insurance Coverage
Charter #15752's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Nucor Employees
- Largest favorable gap: Net Worth Ratio at 29.55% vs peer 19.06% (+10.49 pp).
- Loan-to-Share Ratio trails the peer set - 60.22% here, 63.60% peer average (-3.38 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Nucor Employees
- Alabama health ordinal: #30 of 89.
- Alabama assets place: #86 of 89.
- Membership ranks #87 of 89 among Alabama CUs with a reported count (281 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 Nucor Employees
Nucor Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -8.4% from $2.5M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +2.57 pp (26.98% → 29.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 29.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.55% | +10.49 pp |
| Delinquency Rate | 0.14% | -1.67 pp |
| Return on Assets | 0.30% | -0.15 pp |
| Member Growth | -1.06% | - |
| Loan-to-Share Ratio | 60.22% | -3.38 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).
Call Report history - Nucor Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.3M | - |
| 2025Q4 | $2.5M | 281 |
| 2024Q4 | $2.5M | 284 |
| 2023Q4 | $2.6M | 303 |
Credit Union Details
- Charter Number
- 15752
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- FORT PAYNE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Nucor Employees runs one office.
| Office | City |
|---|---|
| Nucor Employees Federal Credit Union (Main Office) | Fort Payne, 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 Nucor Employees
Two NCUA Call Report peer sets for Nucor Employees, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Nucor Employees ranks #1,541 of 4,374 nationally on financial health and #30 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COUNCILL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COUNCILL
- 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 Nucor Employees financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Nucor Employees'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 #1,541 of 4,374; by total assets it ranks #4,088 of 4,374 nationally (same basis as /rankings/largest); and #86 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 29.55% net worth ratio and 0.14% delinquency rate are the key drivers.
How does Nucor Employees compare to other credit unions?
PlainCU's health composite puts Nucor Employees at 87/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Nucor Employees?
Nucor Employees is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Nucor Employees directly to confirm eligibility.
Is my money safe at Nucor Employees?
Federal credit unions like Nucor Employees 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. Nucor Employees's net worth ratio of 29.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nucor Employees offer compared to banks?
Credit unions like Nucor Employees 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 Nucor Employees 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.