State credit union · Decatur, Alabama · NCUA charter #61150
Wcu Credit Union
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $34.1M
- Total assets
- 3,375
- Members
- 9.0%
- Net-worth ratio
Wcu Credit Union scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.1M; members 3,375; net-worth ratio 9.05%; health rank #1,721 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,721 of 4,374 health · 2025Q4Wcu Credit Union · health 87/100 · $34.1M · 2025Q4
Call Report peers
Wcu Credit Union in the assets neighbourhood
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Wcu Credit Union vs every NCUA-scored credit union
Wcu Credit Union sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Peer-gap read for Wcu Credit Union
- Largest favorable gap: Delinquency Rate at 0.25% vs peer 1.15% (-0.90 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.81 pp (9.05% vs 14.86%).
Wcu Credit Union: in-state Call Report ranks
- In Alabama, health place is #33 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #53 of 89 inside Alabama ($34.1M reported).
- Membership ranks #48 of 89 among Alabama CUs with a reported count (3,375 members).
- One place up in Alabama, Auburn University (#32) ties at 87/100; one place down, Alabama One (#34) ties at 87/100.
Wcu Credit Union: 2025Q4 → 2026Q1
Wcu Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $34.1M (2025Q4) to $35.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.23% → 9.05%).
At 9.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Wcu Credit Union gives up 13 points in total. Member Growth costs the most, 5.9 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.7 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 11.6 pts
Wcu Credit Union vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.05% | -5.81 pp |
| Delinquency Rate | 0.25% | -0.90 pp |
| Return on Assets | 0.41% | -0.29 pp |
| Member Growth | 0.06% | - |
| Loan-to-Share Ratio | 56.67% | -3.13 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Wcu Credit Union quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.2M | - |
| 2025Q4 | $34.1M | 3,375 |
| 2024Q4 | $34.4M | 3,373 |
| 2023Q4 | $33.8M | 3,356 |
Credit Union Details
- Charter Number
- 61150
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Decatur
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Wcu Credit Union, spread across 2 cities.
| Office | City |
|---|---|
| WCU Credit Union (Main Office) | Decatur, AL |
| WCU Credit Union | Moulton, 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 Wcu Credit Union
Similar total assets
Using this data
- Wcu Credit Union ranks #1,721 of 4,374 nationally on financial health and #33 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Infirmary is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Infirmary
Frequently Asked Questions
Is Wcu Credit Union financially healthy?
Wcu Credit Union has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,721 of 4,374 nationally on health and #33 of 89 in Alabama. Its net worth ratio is 9.05% and its delinquency rate 0.25%.
How does Wcu Credit Union compare to other credit unions?
Wcu Credit Union scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.25% vs 1.15%). Its widest shortfall is net worth ratio (9.05% vs 14.86%).
How can I join Wcu Credit Union?
Membership eligibility for Wcu Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wcu Credit Union directly for current membership requirements and application steps.
Is my money safe at Wcu Credit Union?
Wcu Credit Union 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. Wcu Credit Union's net worth ratio of 9.05% 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.