Federal credit union · Sycamore, Alabama · NCUA charter #5241
SYCAMORE
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $69.7M
- Total assets
- 2,818
- Members
- 16.6%
- Net-worth ratio
SYCAMORE scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.7M; members 2,818; net-worth ratio 16.63%; health rank #222 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#222 of 4,374 health · 2025Q4SYCAMORE · health 96/100 · $69.7M · 2025Q4
Call Report peers
SYCAMORE in the assets neighbourhood
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SYCAMORE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SYCAMORE sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SYCAMORE vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 88.73% vs peer 62.60% (+26.13 pp).
SYCAMORE in Alabama
- Health composite ranks #5 of 89 among scored Alabama credit unions.
- By total assets, SYCAMORE is #38 of 89 in Alabama.
- Alabama membership ordinal: #51 of 89.
- One place up in Alabama, Rocket City (#4) scores 97/100, 1 point higher; one place down, Federation of Greene County Empl. (#6) scores 93/100, 3 points lower.
Quarter path for SYCAMORE
SYCAMORE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $69.7M (2025Q4) to $73.5M (2026Q1).
- Net-worth ratio shifted -0.44 pp (17.07% → 16.63%).
16.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
SYCAMORE gives up 4 points in total. Member Growth costs the most, 4.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 15.4 pts
SYCAMORE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.63% | +3.01 pp |
| Delinquency Rate | 0.53% | -0.44 pp |
| Return on Assets | 1.48% | +0.82 pp |
| Member Growth | 1.55% | - |
| Loan-to-Share Ratio | 88.73% | +26.13 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - SYCAMORE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.5M | - |
| 2025Q4 | $69.7M | 2,818 |
| 2024Q4 | $59.1M | 2,775 |
| 2023Q4 | $51.8M | 2,731 |
Credit Union Details
- Charter Number
- 5241
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- Sycamore
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SYCAMORE.
| Office | City |
|---|---|
| Sycamore FCU (Main Office) | Talladega, 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.
SYCAMORE nationwide neighbourhoods
Using this data
- SYCAMORE ranks #222 of 4,374 nationally on financial health and #5 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FLORENCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FLORENCE
Frequently Asked Questions
Is SYCAMORE financially healthy?
On its 2025Q4 NCUA 5300 filing, SYCAMORE scores 96/100 (Excellent), with a 16.63% net worth ratio and 0.53% of loans delinquent. It ranks #222 of 4,374 nationally on health and #5 of 89 in Alabama.
How does SYCAMORE compare to other credit unions?
SYCAMORE scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (88.73% vs 62.60%).
How can I join SYCAMORE?
SYCAMORE 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 SYCAMORE directly for the exact boundaries and application steps.
Is my money safe at SYCAMORE?
SYCAMORE 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. SYCAMORE's net worth ratio of 16.63% 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.