Federal credit union · Birmingham, Alabama · NCUA charter #11123
S R I Employees
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $3.7M
- Total assets
- 160
- Members
- 34.8%
- Net-worth ratio
S R I Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11123, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
S R I Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)61
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 34.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 34.79% | 30% |
| Delinquency Rate | 0.43% | 25% |
| Return on Assets | -0.54% | 15% |
| Member Growth | -13.51% | 15% |
| Loan-to-Share Ratio | 35.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About S R I Employees
S R I Employees is a federal credit union headquartered in Birmingham, Alabama, serving 160 members with $3.7M in total assets and $820K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 64/100 (Good), anchored by a net worth ratio of 34.79% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #11123 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.43% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 35.32% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.54% on net income of $-20164 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -13.51%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is S R I Employees financially healthy?
Yes/no aside, the number is 64/100 (Good) - S R I Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 34.79% net worth ratio and 0.43% delinquency rate are the key drivers.
How does S R I Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce S R I Employees's 64/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like S R I Employees 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. S R I Employees's net worth ratio of 34.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does S R I Employees offer compared to banks?
Credit unions like S R I Employees 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 S R I Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.