Federal credit union · Birmingham, Alabama · NCUA charter #11123
S R I Employees
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $3.7M
- Total assets
- 160
- Members
- 38.6%
- Net-worth ratio
S R I Employees scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.7M; members 160; net-worth ratio 38.55%; health rank #3,899 of 4,374; healthier than 10th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,899 of 4,374 health · 2025Q4S R I Employees · health 64/100 · $3.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S R I Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S R I Employees sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where S R I Employees diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +19.49 pp (38.55% vs 19.06%).
- Largest lag: Loan-to-Share Ratio at 35.32% vs peer 63.60% (-28.28 pp).
S R I Employees: in-state Call Report ranks
- Health composite ranks #79 of 89 among scored Alabama credit unions.
- By total assets, S R I Employees is #81 of 89 in Alabama.
- Member book place in Alabama: #89 of 89.
- One place up in Alabama, Mobile Postal (#78) scores 66/100, 2 points higher; one place down, Social Security (#80) ties at 64/100.
How S R I Employees's 5300 filing moved
S R I Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.7% from $3.7M (2025Q4) to $3.6M (2026Q1).
- Net-worth ratio shifted +1.00 pp (37.55% → 38.55%).
This credit union's 38.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
S R I Employees gives up 36 points in total. Return on Assets costs the most, 15 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 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 38.55% | +19.49 pp |
| Delinquency Rate | 0.43% | -1.38 pp |
| Return on Assets | -0.54% | -0.99 pp |
| Member Growth | -13.51% | - |
| Loan-to-Share Ratio | 35.32% | -28.28 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - S R I Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.6M | - |
| 2025Q4 | $3.7M | 160 |
| 2024Q4 | $3.8M | 185 |
| 2023Q4 | $4.0M | 198 |
Credit Union Details
- Charter Number
- 11123
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, S R I Employees runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Birmingham, AL |
| Location of Records | Birmingham, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Cross-state Call Report peers for S R I Employees
Similar health score
Using this data
- S R I Employees ranks #3,899 of 4,374 nationally on financial health and #79 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chem Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chem Family
Frequently Asked Questions
Is S R I Employees financially healthy?
S R I Employees has a financial health score of 64/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,899 of 4,374 nationally on health and #79 of 89 in Alabama. Its net worth ratio is 38.55% and its delinquency rate 0.43%.
How does S R I Employees compare to other credit unions?
S R I Employees scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (38.55% vs 19.06%). Its widest shortfall is loan-to-share ratio (35.32% vs 63.60%).
How can I join S R I Employees?
S R I Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact S R I Employees directly for the exact boundaries and application steps.
Is my money safe at S R I Employees?
S R I Employees 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. S R I Employees's net worth ratio of 38.55% 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.