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
- CHARTER 87/100
- NCUSIF 9.0%
- CAMELS 0.25%
- HEALTH 0.41%
- NW $34.1M
- DELQ 3,375
- ROA #1,721/4,374
- ASSETS Patriot Equity
- MEM 61150
Call Report peers
Wcu Credit Union in the assets neighbourhood
Wcu Credit Union's $34.1M assets sit next to Patriot Equity ($34.1M) 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.
Wcu Credit Union 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
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
Wcu Credit Union - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61150, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Wcu Credit Union: 2025Q4 → 2026Q1
Wcu Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $34.1M (2025Q4) to $35.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.23% → 9.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
Cross-state asset and health neighbours for Wcu Credit Union - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Wcu Credit Union financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Wcu Credit Union'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 #1,721 of 4,374; by total assets it ranks #2,744 of 4,374 nationally (same basis as /rankings/largest); and #53 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.05% net worth ratio and 0.25% delinquency rate are the key drivers.
How does Wcu Credit Union compare to other credit unions?
Wcu Credit Union scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Wcu Credit Union 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. Wcu Credit Union's net worth ratio of 9.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wcu Credit Union offer compared to banks?
Credit unions like Wcu Credit Union 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 Wcu Credit Union 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.