Credit Union Safety Analysis
Is Fogce Federal Credit Union Safe? Eutaw, Alabama
Based on its Q2 2026 NCUA 5300 call report, Fogce Federal Credit Union has a net worth ratio of 23.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.08%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Fogce Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Fogce Federal Credit Union's net worth ratio is 23.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.08%
- Return on assets (Q2 2026): 1.97%
- Loan-to-share ratio (Q2 2026): 35.47%
Fogce Federal Credit Union (NCUA charter 22131, established 1975) reported $2.2M in assets and 917 members for Q2 2026 from Eutaw, Alabama. It ranks 85 of 87 credit unions in Alabama by total assets. Total assets grew 17.3% from $1.9M on June 30, 2025. It has 31 more members than on June 30, 2025 (+3.5%). Its net worth ratio was down 2.01 percentage points from 25.09% on June 30, 2025. New vehicle loans are its largest loan category, $162K of $564K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.08% 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: 22.59% for Q1 2026; 25.09% 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: 0.31% for Q1 2026; 0.63% 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: 2.00% for Q1 2026; 2.17% 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: 32.50% for Q1 2026; 31.66% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $162K
- Used vehicle loans: $142K
- Other secured non-real estate loans and lines of credit: $141K
- Other unsecured loans and lines of credit: $118K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.2M | 23.08% | 0.08% | 1.97% | 35.47% |
| March 31, 2026 | $2.2M | 22.59% | 0.31% | 2.00% | 32.50% |
| December 31, 2025 | $1.8M | 27.13% | — | 0.84% | 34.93% |
| September 30, 2025 | $1.8M | 26.11% | 6.08% | 2.59% | 29.08% |
| June 30, 2025 | $1.9M | 25.09% | 0.63% | 2.17% | 31.66% |
| March 31, 2025 | $1.9M | 24.62% | 0.17% | 1.41% | 29.66% |
Add this badge to your website
Free to use. It shows Fogce Federal Credit Union’s latest filed figures and updates each quarter.
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.
Fogce Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22131) · FFIEC NIC profile (RSSD 826581)
Frequently asked questions
Is Fogce Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fogce Federal Credit Union's net worth ratio is 23.08%, above the 7% NCUA threshold for well capitalized.
Is Fogce Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fogce Federal Credit Union is a federally insured credit union (NCUA charter 22131): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fogce Federal Credit Union's key safety ratios?
For Q2 2026, Fogce Federal Credit Union reports net worth 23.08%, delinquency 0.08%, ROA 1.97%, loan-to-share 35.47%.
What happens to my money if Fogce Federal Credit Union fails?
For Q2 2026, Fogce Federal Credit Union held $1.6M in shares and deposits for 917 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.