Credit Union Safety Analysis
Is City Credit Union Safe? Tuscaloosa, Alabama
Based on its Q2 2026 NCUA 5300 call report, City Credit Union has a net worth ratio of 23.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, 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, City Credit Union's net worth ratio is 23.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 1.36%
- Loan-to-share ratio (Q2 2026): 68.79%
City Credit Union (NCUA charter 62062, established 1950) reported $21.3M in assets and 1,587 members for Q2 2026 from Tuscaloosa, Alabama. It ranks 59 of 87 credit unions in Alabama by total assets. Total assets grew 7.1% from $19.9M on June 30, 2025. It has 15 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was down 0.34 percentage points from 24.32% on June 30, 2025. Used vehicle loans are its largest loan category, $5.9M of $10.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 24.54% for Q1 2026; 24.32% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.61% for Q1 2026; 0.40% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.18% for Q1 2026; 1.72% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 75.27% for Q1 2026; 85.36% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $5.9M
- New vehicle loans: $2.8M
- Other unsecured loans and lines of credit: $1.4M
- Other secured non-real estate loans and lines of credit: $844K
- 1- to 4-family residential and other consumer real estate loans: $88K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $21.3M | 23.98% | 0.79% | 1.36% | 68.79% |
| March 31, 2026 | $20.5M | 24.54% | 0.61% | 1.18% | 75.27% |
| December 31, 2025 | $19.4M | 25.60% | 0.41% | 1.69% | 84.96% |
| September 30, 2025 | $19.5M | 25.01% | 0.37% | 1.12% | 86.18% |
| June 30, 2025 | $19.9M | 24.32% | 0.40% | 1.72% | 85.36% |
| March 31, 2025 | $19.7M | 24.10% | 0.23% | 0.89% | 85.63% |
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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 62062) · FFIEC NIC profile (RSSD 886893)
Frequently asked questions
Is City Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, City Credit Union's net worth ratio is 23.98%, above the 7% NCUA threshold for well capitalized.
Is City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. City Credit Union is a federally insured credit union (NCUA charter 62062): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are City Credit Union's key safety ratios?
For Q2 2026, City Credit Union reports net worth 23.98%, delinquency 0.79%, ROA 1.36%, loan-to-share 68.79%.
What happens to my money if City Credit Union fails?
For Q2 2026, City Credit Union held $15.9M in shares and deposits for 1,587 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.