Credit Union Safety Analysis
Is Alive Credit Union Safe? Jacksonville, Florida
Based on its Q2 2026 NCUA 5300 call report, Alive Credit Union has a net worth ratio of 11.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.47%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Alive Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.47%
- Return on assets (Q2 2026): 1.41%
- Loan-to-share ratio (Q2 2026): 65.69%
Alive Credit Union (NCUA charter 67316, established 1954) reported $295.5M in assets and 18,717 members for Q2 2026 from Jacksonville, Florida. It ranks 47 of 106 credit unions in Florida by total assets. Total assets grew 5.4% from $280.4M on June 30, 2025. It has 138 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 0.33 percentage points from 11.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $55.8M of $171.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.47% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.43% for Q1 2026; 11.40% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.41% for Q1 2026; 0.71% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.88% for Q1 2026; 0.52% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 63.20% for Q1 2026; 66.56% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $55.8M
- Used vehicle loans: $40.6M
- New vehicle loans: $40.0M
- Other unsecured loans and lines of credit: $15.1M
- Commercial loans: $13.4M
- Other secured non-real estate loans and lines of credit: $6.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $295.5M | 11.73% | 0.47% | 1.41% | 65.69% |
| March 31, 2026 | $294.2M | 11.43% | 0.41% | 0.88% | 63.20% |
| December 31, 2025 | $283.2M | 11.64% | 0.54% | 0.73% | 65.12% |
| September 30, 2025 | $279.8M | 11.61% | 0.86% | 0.73% | 65.43% |
| June 30, 2025 | $280.4M | 11.40% | 0.71% | 0.52% | 66.56% |
| March 31, 2025 | $287.7M | 10.98% | 0.73% | 1.08% | 63.60% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 67316) · FFIEC NIC profile (RSSD 472399)
Frequently asked questions
Is Alive Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alive Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
Is Alive Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alive Credit Union is a federally insured credit union (NCUA charter 67316): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alive Credit Union's key safety ratios?
For Q2 2026, Alive Credit Union reports net worth 11.73%, delinquency 0.47%, ROA 1.41%, loan-to-share 65.69%.
What happens to my money if Alive Credit Union fails?
For Q2 2026, Alive Credit Union held $261.4M in shares and deposits for 18,717 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.