Four Seasons Federal Credit Union Opelika, Alabama
Four Seasons Federal Credit Union is a federal credit union headquartered in Opelika, AL, established in 1964 (NCUA charter 16479), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,735 members and total assets of $103.7M (up 11.4% from Q2 2025), the 35th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 8.64% at Q2 2026, in the well capitalized band.
Also written as Four Seasons FCU
BankRegReports is independent of Four Seasons Federal Credit Union and never asks for online banking logins or passwords.
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
- 16479
- Headquarters
- Opelika, AL
- Established
- 1964
- Total assets, Q2 2026
- $103.7M
- Assets vs Q2 2025
- +11.4%
- Members, Q2 2026
- 9,735
- Net worth ratio, Q2 2026
- 8.64%
- Latest call report
- Q2 2026, NCUA 5300 · Four Seasons Federal Credit Union call report
- Asset rank in state
- 35th of 87 in Alabama
- Routing number
- 262276737
- Branches
- 2
It has 263 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.21 percentage points from 8.43% on June 30, 2025. Used vehicle loans are its largest loan category, $35.2M of $60.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.53% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 8.64% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Alabama
Frequently asked about Four Seasons Federal Credit Union
How big is Four Seasons Federal Credit Union?
At Q2 2026 it reported total assets of $103.7M and 9,735 members.
Where is Four Seasons Federal Credit Union headquartered?
It is headquartered in Opelika, AL, United States.
When was Four Seasons Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is Four Seasons Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16479): 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 Four Seasons Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Four Seasons Federal Credit Union well capitalized?
Its net worth ratio was 8.64% 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 Four Seasons Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.53% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Four Seasons Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.56% 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
- 1964
- NCUA Charter #
- 16479
- RSSD ID
- 804187
- Members
- 9,735
- Potential members
- 166,300
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 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: 9.81% to 13.58% | 8.64% | 11.43% | under 10th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.96% | 0.81% | 59th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.14% | 7.02% | 82nd top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.77% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.61% | 76.55% | 63rd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.99% | 1.24% | 69th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.53% | 0.68% | 15th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.76% | 4.92% | 89th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 64.56% | 75.66% | 30th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$103.7M total assets against $93.1M; $93.2M total shares and deposits against $83.9M; $60.2M total loans against $54.2M.
$9.0M net worth against $7.9M.
8.64% net worth ratio against 8.43%.
64.56% loan-to-share ratio against 64.69%.
1.53% delinquency ratio against 0.69%.
0.96% return on assets against 1.66%; 11.14% return on equity against 19.65%.
4.77% net interest margin against 5.01%.
9,735 members against 9,472.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.64% | 0.96% | 1.53% | 64.56% |
| March 31, 2026 | 8.51% | 1.22% | 1.48% | 63.43% |
| December 31, 2025 | 8.88% | 1.02% | 1.41% | 66.86% |
| September 30, 2025 | 8.72% | 1.79% | 0.92% | 63.26% |
| June 30, 2025 | 8.43% | 1.66% | 0.69% | 64.69% |
| March 31, 2025 | 7.79% | -0.99% | 0.77% | 61.68% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.