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
- BOOK 68/100
- CHARTER 25.2%
- NCUSIF 0.16%
- CAMELS -0.42%
- HEALTH $10.4M
- NW 1,629
- DELQ #3,688/4,374
- ROA VATAT
- ASSETS 62486
Call Report peers
OPP-MICOLAS in the assets neighbourhood
OPP-MICOLAS's $10.4M assets sit next to VATAT ($10.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% 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
OPP-MICOLAS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62486: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
OPP-MICOLAS: 2025Q4 → 2026Q1
OPP-MICOLAS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $10.4M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted -0.46 pp (25.67% → 25.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
OPP-MICOLAS's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,688 of 4,374; by total assets it ranks #3,544 of 4,374 nationally (same basis as /rankings/largest); and #69 of 89 within Alabama. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 25.21% and delinquency rate of 0.16%.
How does OPP-MICOLAS compare to other credit unions?
68/100 is OPP-MICOLAS's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 25.21% 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.
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.