State credit union · OPP, Alabama · NCUA charter #62486
OPP-MICOLAS
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $10.4M
- Total assets
- 1,629
- Members
- 25.2%
- Net-worth ratio
OPP-MICOLAS scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.4M; members 1,629; net-worth ratio 25.21%; health rank #3,688 of 4,374; healthier than 15th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,688 of 4,374 health · 2025Q4OPP-MICOLAS · health 68/100 · $10.4M · 2025Q4
Call Report peers
OPP-MICOLAS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OPP-MICOLAS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OPP-MICOLAS sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
OPP-MICOLAS: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 25.21% vs peer 14.86% (+10.35 pp).
- Loan-to-Share Ratio trails the peer set - 31.56% here, 59.80% peer average (-28.24 pp).
Alabama standing for OPP-MICOLAS
- In Alabama, health place is #76 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #69 of 89 inside Alabama ($10.4M reported).
- Membership ranks #63 of 89 among Alabama CUs with a reported count (1,629 members).
- One place up in Alabama, Covington Schools (#75) scores 69/100, 1 point higher; one place down, Federal Employees (#77) scores 66/100, 2 points lower.
OPP-MICOLAS: 2025Q4 → 2026Q1
OPP-MICOLAS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $10.4M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted -0.46 pp (25.67% → 25.21%).
25.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
OPP-MICOLAS gives up 32 points in total. Return on Assets costs the most, 14.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.8 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 8.9 pts
OPP-MICOLAS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.21% | +10.35 pp |
| Delinquency Rate | 0.16% | -0.98 pp |
| Return on Assets | -0.42% | -1.12 pp |
| Member Growth | -3.15% | - |
| Loan-to-Share Ratio | 31.56% | -28.24 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.4M | - |
| 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
Branch Location
OPP-MICOLAS operates a single office in OPP, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| OPP-MICOLAS (Main Office) | OPP, 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.
OPP-MICOLAS nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- OPP-MICOLAS ranks #3,688 of 4,374 nationally on financial health and #76 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Blue Flame is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Blue Flame
Frequently Asked Questions
Is OPP-MICOLAS financially healthy?
On its 2025Q4 NCUA 5300 filing, OPP-MICOLAS scores 68/100 (Good), with a 25.21% net worth ratio and 0.16% of loans delinquent. It ranks #3,688 of 4,374 nationally on health and #76 of 89 in Alabama.
How does OPP-MICOLAS compare to other credit unions?
OPP-MICOLAS scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (25.21% vs 14.86%). Its widest shortfall is loan-to-share ratio (31.56% vs 59.80%).
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?
OPP-MICOLAS 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. OPP-MICOLAS's net worth ratio of 25.21% 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.