Credit Union Safety Analysis
Is Council Federal Credit Union Safe? Normal, Alabama
Based on its Q2 2026 NCUA 5300 call report, Council Federal Credit Union has a net worth ratio of 15.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.43%, 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, Council Federal Credit Union's net worth ratio is 15.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.74%
- Delinquency ratio (60+ days) (Q2 2026): 2.43%
- Return on assets (Q2 2026): 2.30%
- Loan-to-share ratio (Q2 2026): 27.02%
Council Federal Credit Union (NCUA charter 9554, established 1954) reported $2.8M in assets and 618 members for Q2 2026 from Normal, Alabama. It ranks 83 of 87 credit unions in Alabama by total assets. Total assets grew 8.6% from $2.6M on June 30, 2025. It has 11 more members than on June 30, 2025 (+1.8%). Its net worth ratio was down 3.04 percentage points from 18.78% on June 30, 2025. Its 60-day delinquency ratio of 2.43% is above 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: 16.42% for Q1 2026; 18.78% 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: 1.61% for Q1 2026; 0.35% 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: 2.78% for Q1 2026; -2.31% 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: 29.67% for Q1 2026; 34.40% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.8M | 15.74% | 2.43% | 2.30% | 27.02% |
| March 31, 2026 | $2.8M | 16.42% | 1.61% | 2.78% | 29.67% |
| December 31, 2025 | $2.8M | 15.01% | 0.71% | 3.76% | 28.35% |
| September 30, 2025 | $2.7M | 17.45% | 0.54% | -1.83% | 29.45% |
| June 30, 2025 | $2.6M | 18.78% | 0.35% | -2.31% | 34.40% |
| March 31, 2025 | $2.5M | 19.82% | 3.74% | -2.50% | 34.51% |
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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.
Council Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9554) · FFIEC NIC profile (RSSD 21881)
Frequently asked questions
Is Council Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Council Federal Credit Union's net worth ratio is 15.74%, above the 7% NCUA threshold for well capitalized.
Is Council Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Council Federal Credit Union is a federally insured credit union (NCUA charter 9554): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Council Federal Credit Union's key safety ratios?
For Q2 2026, Council Federal Credit Union reports net worth 15.74%, delinquency 2.43%, ROA 2.30%, loan-to-share 27.02%.
What happens to my money if Council Federal Credit Union fails?
For Q2 2026, Council Federal Credit Union held $2.4M in shares and deposits for 618 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.