East Alabama Community Federal Credit Union Opelika, Alabama
East Alabama Community Federal Credit Union is a federal credit union headquartered in Opelika, AL, established in 1958 (NCUA charter 12383), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,978 members and total assets of $20.8M (up 2.8% from Q2 2025), the 61st largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 14.19% at Q2 2026, in the well capitalized band.
Also written as East Alabama Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12383
- Headquarters
- Opelika, AL
- Established
- 1958
- Total assets, Q2 2026
- $20.8M
- Assets vs Q2 2025
- +2.8%
- Members, Q2 2026
- 2,978
- Net worth ratio, Q2 2026
- 14.19%
- Latest call report
- Q2 2026, NCUA 5300 · East Alabama Community Federal Credit Union call report
- Asset rank in state
- 61st of 87 in Alabama
- Routing number
- 262276724
- Branches
- 1
It has 47 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was down 0.06 percentage points from 14.25% on June 30, 2025. Used vehicle loans are its largest loan category, $3.2M of $5.9M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Alabama
Frequently asked about East Alabama Community Federal Credit Union
How big is East Alabama Community Federal Credit Union?
At Q2 2026 it reported total assets of $20.8M and 2,978 members.
Where is East Alabama Community Federal Credit Union headquartered?
It is headquartered in Opelika, AL, United States.
When was East Alabama Community Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is East Alabama Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12383): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates East Alabama Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is East Alabama Community Federal Credit Union well capitalized?
Its net worth ratio was 14.19% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is East Alabama Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 33.39% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Opelika, AL 36801
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12383
- RSSD ID
- 364289
- Members
- 2,978
- Potential members
- 163,271
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.19% | 14.31% | 49th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.29% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.08% | 4.74% | 32nd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.25% | 3.93% | 24th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 94.24% | 79.83% | 22nd bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.29% | 0.78% | 81st top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.54% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 33.39% | 58.92% | 15th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$20.8M total assets against $20.2M; $17.8M total shares and deposits against $17.3M; $5.9M total loans against $5.4M.
$3.0M net worth against $2.9M.
14.19% net worth ratio against 14.25%.
33.39% loan-to-share ratio against 31.10%.
0.29% return on assets against 0.20%; 2.08% return on equity against 1.43%.
3.25% net interest margin against 2.97%.
2,978 members against 3,025.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.19% | 0.29% | — | 33.39% |
| March 31, 2026 | 13.98% | 0.42% | — | 32.21% |
| December 31, 2025 | 14.49% | 0.19% | 0.20% | 32.93% |
| September 30, 2025 | 14.06% | 0.64% | — | 30.09% |
| June 30, 2025 | 14.25% | 0.20% | 0.04% | 31.10% |
| March 31, 2025 | 14.07% | 0.27% | — | 31.27% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.