State credit union · Birmingham, Alabama · NCUA charter #61391
Social Security
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $36.8M
- Total assets
- 2,657
- Members
- 22.6%
- Net-worth ratio
Social Security scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.8M; members 2,657; net-worth ratio 22.64%; health rank #3,903 of 4,374; healthier than 10th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,903 of 4,374 health · 2025Q4Social Security · health 64/100 · $36.8M · 2025Q4
Call Report peers
Social Security in the assets neighbourhood
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Social Security vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Social Security 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
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
Where Social Security diverges from peer averages
- Net Worth Ratio leads the peer set - 22.64% here, 14.86% peer average (+7.78 pp).
- Loan-to-Share Ratio trails the peer set - 48.30% here, 59.80% peer average (-11.50 pp).
Alabama standing for Social Security
- In Alabama, health place is #80 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #52 of 89.
- Membership ranks #53 of 89 among Alabama CUs with a reported count (2,657 members).
- One place up in Alabama, S R I Employees (#79) ties at 64/100; one place down, U S Pipe Bessemer Employees (#81) scores 63/100, 1 point lower.
Quarter path for Social Security
Social Security: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $36.8M (2025Q4) to $36.6M (2026Q1).
- Net-worth ratio shifted +0.47 pp (22.17% → 22.64%).
This credit union's 22.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
Social Security gives up 36 points in total. Delinquency Rate costs the most, 18 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for Social Security
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.64% | +7.78 pp |
| Delinquency Rate | 2.88% | +1.74 pp |
| Return on Assets | 0.92% | +0.21 pp |
| Member Growth | -3.80% | - |
| Loan-to-Share Ratio | 48.30% | -11.50 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.6M | - |
| 2025Q4 | $36.8M | 2,657 |
| 2024Q4 | $35.0M | 2,762 |
| 2023Q4 | $34.4M | 2,865 |
Credit Union Details
- Charter Number
- 61391
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Social Security runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Social Security Credit Union (Main Office) | Birmingham, AL |
| EPL, Inc. Data Center | Hoover, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Social Security ranks #3,903 of 4,374 nationally on financial health and #80 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lauderdale County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lauderdale County Teachers
Frequently Asked Questions
Is Social Security financially healthy?
On its 2025Q4 NCUA 5300 filing, Social Security scores 64/100 (Good), with a 22.64% net worth ratio and 2.88% of loans delinquent. It ranks #3,903 of 4,374 nationally on health and #80 of 89 in Alabama.
How does Social Security compare to other credit unions?
Social Security scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (22.64% vs 14.86%). Its widest shortfall is loan-to-share ratio (48.30% vs 59.80%).
How can I join Social Security?
Membership eligibility for Social Security depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Social Security directly for current membership requirements and application steps.
Is my money safe at Social Security?
Social Security is a state-chartered 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. Social Security's net worth ratio of 22.64% 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.