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
Call Report peers
Rocket City in the assets neighbourhood
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Rocket City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Rocket City sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Alabama, North Alabama Papermakers (#3) ties at 97/100; one place down, SYCAMORE (#5) scores 96/100, 1 point lower.
Rocket City Call Report trajectory
Rocket City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $65.7M (2025Q4) to $67.5M (2026Q1).
- Net-worth ratio shifted -0.16 pp (17.39% → 17.23%).
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
Rocket City gives up 3 points in total. Loan-to-Share Ratio costs the most, 2.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Rocket City financially healthy?
Rocket City has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #146 of 4,374 nationally on health and #4 of 89 in Alabama. Its net worth ratio is 17.23% and its delinquency rate 0.14%.
How does Rocket City compare to other credit unions?
Rocket City scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.23% vs 13.62%). Its widest shortfall is loan-to-share ratio (58.15% vs 62.60%).
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?
Rocket City is a federal 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. Rocket City's net worth ratio of 17.23% 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.