Fedmont Federal Credit Union Montgomery, Alabama
Fedmont Federal Credit Union is a federal credit union headquartered in Montgomery, AL, established in 1960 (NCUA charter 14026), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,207 members and total assets of $13.0M (up 1.1% from Q2 2025), the 66th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 13.37% at Q2 2026, in the well capitalized band.
Also written as Fedmont 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
- 14026
- Headquarters
- Montgomery, AL
- Established
- 1960
- Total assets, Q2 2026
- $13.0M
- Assets vs Q2 2025
- +1.1%
- Members, Q2 2026
- 1,207
- Net worth ratio, Q2 2026
- 13.37%
- Latest call report
- Q2 2026, NCUA 5300 · Fedmont Federal Credit Union call report
- Asset rank in state
- 66th of 87 in Alabama
- Routing number
- 262276368
- Branches
- 1
It has 31 fewer members than on June 30, 2025 (-2.5%). Its net worth ratio was up 0.14 percentage points from 13.23% on June 30, 2025. New vehicle loans are its largest loan category, $1.5M of $4.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.37% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Alabama
Frequently asked about Fedmont Federal Credit Union
How big is Fedmont Federal Credit Union?
At Q2 2026 it reported total assets of $13.0M and 1,207 members.
Where is Fedmont Federal Credit Union headquartered?
It is headquartered in Montgomery, AL, United States.
When was Fedmont Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Fedmont Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14026): 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 Fedmont Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Fedmont Federal Credit Union well capitalized?
Its net worth ratio was 13.37% 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 Fedmont Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.52% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Fedmont Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 36.06% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Montgomery, AL 36117
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 14026
- RSSD ID
- 330181
- Members
- 1,207
- Potential members
- 4,500
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 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.37% | 14.31% | 43rd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.35% | 0.72% | 16th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.60% | 4.74% | 15th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.99% | 3.93% | 53rd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 107.79% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.35% | 0.78% | 77th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.52% | 0.86% | 67th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.34% | 4.70% | 32nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 36.06% | 58.92% | 18th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.0M total assets against $12.9M; $11.2M total shares and deposits against $11.1M; $4.1M total loans against $4.2M.
$1.7M net worth against $1.7M.
13.37% net worth ratio against 13.23%.
36.06% loan-to-share ratio against 37.56%.
0.52% delinquency ratio.
-0.35% return on assets against 1.42%; -2.60% return on equity against 10.72%.
3.99% net interest margin against 4.39%.
1,207 members against 1,238.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.37% | -0.35% | 0.52% | 36.06% |
| March 31, 2026 | 13.61% | 0.48% | 0.66% | 35.41% |
| December 31, 2025 | 13.92% | 0.13% | 0.92% | 40.22% |
| September 30, 2025 | 13.59% | 0.92% | 0.13% | 39.20% |
| June 30, 2025 | 13.23% | 1.42% | — | 37.56% |
| March 31, 2025 | 13.23% | 0.61% | 0.21% | 31.95% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.