Federal credit union · Enterprise, Alabama · NCUA charter #16556
Solutions First
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $45.0M
- Total assets
- 4,953
- Members
- 6.7%
- Net-worth ratio
Solutions First scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.0M; members 4,953; net-worth ratio 6.68%; health rank #4,231 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,231 of 4,374 health · 2025Q4Solutions First · health 53/100 · $45.0M · 2025Q4
- DELQ 53/100
- ROA 6.7%
- ASSETS 2.32%
- MEM -0.18%
- RANK $45.0M
- PHOTO 4,953
- BOOK #4,231/4,374
- CHARTER UNIVERSITY
- NCUSIF 16556
Call Report peers
Solutions First in the assets neighbourhood
Solutions First's $45.0M assets sit next to UNIVERSITY ($45.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Solutions First 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
53 3rd percentile higher than 3% 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
Solutions First - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16556. See our deposit-insurance coverage note.
Peer-gap read for Solutions First
- Largest lag: Loan-to-Share Ratio at 48.66% vs peer 59.80% (-11.14 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Solutions First
- Alabama health ordinal: #84 of 89.
- Alabama assets place: #46 of 89.
- Alabama membership ordinal: #41 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.
Quarter path for Solutions First
Solutions First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $45.0M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted -0.08 pp (6.76% → 6.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.68% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 20.1 pts
- Delinquency Rate 10.5 pts
- Return on Assets 2.9 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 10.6 pts
Solutions First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.68% | -8.18 pp |
| Delinquency Rate | 2.32% | +1.17 pp |
| Return on Assets | -0.18% | -0.89 pp |
| Member Growth | -0.06% | - |
| Loan-to-Share Ratio | 48.66% | -11.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Solutions First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.7M | - |
| 2025Q4 | $45.0M | 4,953 |
| 2024Q4 | $46.5M | 4,956 |
| 2023Q4 | $47.2M | 4,926 |
Credit Union Details
- Charter Number
- 16556
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Enterprise
- Data Quarter
- 2025Q4
Branch Locations (2)
Solutions First operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SOLUTIONS FIRST FEDERAL CREDIT UNION (Main Office) | Enterprise, AL |
| Solutions First Federal CU - Ozark Branch | Ozark, 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.
Solutions First nationwide neighbourhoods
Two NCUA Call Report peer sets for Solutions First, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- Solutions First ranks #4,231 of 4,374 nationally on financial health and #84 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Azalea City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Azalea City
- 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 Solutions First financially healthy?
Solutions First has a financial health score of 53/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,231 of 4,374; by total assets it ranks #2,486 of 4,374 nationally (same basis as /rankings/largest); and #46 of 89 within Alabama. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.68% and delinquency rate of 2.32%.
How does Solutions First compare to other credit unions?
PlainCU's health composite puts Solutions First at 53/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Solutions First?
Solutions First 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 Solutions First directly for the exact boundaries and application steps.
Is my money safe at Solutions First?
Federal credit unions like Solutions First 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. Solutions First's net worth ratio of 6.68% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Solutions First offer compared to banks?
Credit unions like Solutions First 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 Solutions First 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.