Federal credit union · HUNTSVILLE, Alabama · NCUA charter #9662
Rocket City
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $65.7M
- Total assets
- 5,878
- Members
- 17.2%
- Net-worth ratio
Rocket City scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.7M; members 5,878; net-worth ratio 17.23%; health rank #146 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#146 of 4,374 health · 2025Q4Rocket City · health 97/100 · $65.7M · 2025Q4
- RANK 97/100
- PHOTO 17.2%
- BOOK 0.14%
- CHARTER 1.58%
- NCUSIF $65.7M
- CAMELS 5,878
- HEALTH #146/4,374
- NW Kings Peak
- DELQ 9662
Call Report peers
Rocket City in the assets neighbourhood
Rocket City's $65.7M assets sit next to Kings Peak ($65.7M) 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.
Rocket City 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
97 Top 5% higher than 95% 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
Rocket City - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9662 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Rocket City diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +3.61 pp (17.23% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 58.15% here, 62.60% peer average (-4.45 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Rocket City: in-state Call Report ranks
- Health composite ranks #4 of 89 among scored Alabama credit unions.
- By total assets, Rocket City is #40 of 89 in Alabama.
- Member book place in Alabama: #39 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Rocket City Call Report trajectory
Rocket City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $65.7M (2025Q4) to $67.5M (2026Q1).
- Net-worth ratio shifted -0.16 pp (17.39% → 17.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 12.7 pts
Rocket City health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.23% | +3.61 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 1.58% | +0.92 pp |
| Member Growth | 4.39% | - |
| Loan-to-Share Ratio | 58.15% | -4.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Rocket City quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $67.5M | - |
| 2025Q4 | $65.7M | 5,878 |
| 2024Q4 | $64.7M | 5,631 |
| 2023Q4 | $62.3M | 5,244 |
Credit Union Details
- Charter Number
- 9662
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- HUNTSVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Rocket City runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Rocket City Federal Credit Union (Main Office) | Huntsville, AL |
| L & N Credit Union | Birmingham, 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.
Rocket City nationwide neighbourhoods
Rocket City's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Rocket City ranks #146 of 4,374 nationally on financial health and #4 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FLORENCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FLORENCE
- 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 Rocket City financially healthy?
Rocket City has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #146 of 4,374; by total assets it ranks #2,185 of 4,374 nationally (same basis as /rankings/largest); and #40 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 17.23% and delinquency rate of 0.14%.
How does Rocket City compare to other credit unions?
97/100 is Rocket City's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Rocket City?
Rocket City serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Rocket City directly for the current list of qualifying groups.
Is my money safe at Rocket City?
Federal credit unions like Rocket City 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. Rocket City's net worth ratio of 17.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rocket City offer compared to banks?
Credit unions like Rocket City 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 Rocket City 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.