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
- CHARTER 64/100
- NCUSIF 38.6%
- CAMELS 0.43%
- HEALTH -0.54%
- NW $3.7M
- DELQ 160
- ROA #3,899/4,374
- ASSETS n/a
- MEM 11123
Call Report peers
S R I Employees carries $3.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
64 10th percentile higher than 10% 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
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.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How S R I Employees's 5300 filing moved
S R I Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.7% from $3.7M (2025Q4) to $3.6M (2026Q1).
- Net-worth ratio shifted +1.00 pp (37.55% → 38.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for S R I Employees, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,899 of 4,374; by total assets it ranks #3,988 of 4,374 nationally (same basis as /rankings/largest); and #81 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 38.55% 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 38.55% 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.
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.