Health Score
68/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
OPP-MICOLAS
Health Score
68/100
Total Assets
$10.4M
Members
1,629
OPP, Alabama
2026 data Public-data reference. official source
OPP-MICOLAS
Open-data reference.
68
Health Score
Good
Charter #
62486
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
OPP-MICOLAS — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
OPP-MICOLAS — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%
At 25.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$10.4M
Total Assets
1,629
Members
$2.4M
Total Loans
$7.7M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.05% | 30% |
| Delinquency Rate | 0.16% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -3.15% | 15% |
| Loan-to-Share Ratio | 31.56% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.4M | 1,629 |
| 2024Q4 | $10.9M | 1,682 |
| 2023Q4 | $11.6M | 1,609 |
Credit Union Details
- Charter Number
- 62486
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- OPP
- Data Quarter
- 2025Q4
What This Data Says About OPP-MICOLAS
OPP-MICOLAS is a state credit union headquartered in OPP, Alabama, serving 1,629 members with $10.4M in total assets and $2.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 25.05% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #62486 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 0.16% measures loans 60+ days past due against total loans outstanding — the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 31.56% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.
Every deposit account at OPP-MICOLAS is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -3.15%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with OPP-MICOLAS before opening any account or borrowing.
Nearby Credit Unions in Alabama
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Related Financial Data
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is OPP-MICOLAS financially healthy?
OPP-MICOLAS has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 25.05% and delinquency rate of 0.16%.
How does OPP-MICOLAS compare to other credit unions?
OPP-MICOLAS scores 68/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 OPP-MICOLAS?
Membership eligibility for OPP-MICOLAS depends on its field of membership — currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact OPP-MICOLAS directly for current membership requirements and application steps.
Is my money safe at OPP-MICOLAS?
Federal credit unions like OPP-MICOLAS 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. OPP-MICOLAS's net worth ratio of 25.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OPP-MICOLAS offer compared to banks?
Credit unions like OPP-MICOLAS 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 OPP-MICOLAS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology — how this data is sourced, computed, and verified.