Credit Union Safety Analysis
Is Federal Employees Credit Union Safe? Birmingham, Alabama
Based on its Q2 2026 NCUA 5300 call report, Federal Employees Credit Union has a net worth ratio of 16.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.67%, 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, Federal Employees Credit Union's net worth ratio is 16.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.62%
- Delinquency ratio (60+ days) (Q2 2026): 1.67%
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 59.19%
Federal Employees Credit Union (NCUA charter 62599, established 1958) reported $19.7M in assets and 1,674 members for Q2 2026 from Birmingham, Alabama. It ranks 62 of 87 credit unions in Alabama by total assets. Total assets fell 4.9% from $20.7M on June 30, 2025. It has 87 fewer members than on June 30, 2025 (-4.9%). Its net worth ratio was up 0.92 percentage points from 15.70% on June 30, 2025. Used vehicle loans are its largest loan category, $5.1M of $9.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.67% 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: 16.76% for Q1 2026; 15.70% 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: 1.43% for Q1 2026; 2.46% 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: 0.11% for Q1 2026; 0.25% 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: 59.16% for Q1 2026; 52.99% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $5.1M
- Other unsecured loans and lines of credit: $1.8M
- 1- to 4-family residential and other consumer real estate loans: $1.6M
- New vehicle loans: $1.0M
- Other secured non-real estate loans and lines of credit: $87K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $19.7M | 16.62% | 1.67% | 0.19% | 59.19% |
| March 31, 2026 | $19.4M | 16.76% | 1.43% | 0.11% | 59.16% |
| December 31, 2025 | $19.4M | 16.81% | 2.60% | -0.23% | 60.06% |
| September 30, 2025 | $19.8M | 16.50% | 2.01% | 0.33% | 56.86% |
| June 30, 2025 | $20.7M | 15.70% | 2.46% | 0.25% | 52.99% |
| March 31, 2025 | $19.3M | 16.76% | 1.40% | 0.11% | 58.88% |
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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.
Federal Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 62599) · FFIEC NIC profile (RSSD 910396)
Frequently asked questions
Is Federal Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Federal Employees Credit Union's net worth ratio is 16.62%, above the 7% NCUA threshold for well capitalized.
Is Federal Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Federal Employees Credit Union is a federally insured credit union (NCUA charter 62599): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Federal Employees Credit Union's key safety ratios?
For Q2 2026, Federal Employees Credit Union reports net worth 16.62%, delinquency 1.67%, ROA 0.19%, loan-to-share 59.19%.
What happens to my money if Federal Employees Credit Union fails?
For Q2 2026, Federal Employees Credit Union held $16.3M in shares and deposits for 1,674 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.