Credit Union Safety Analysis
Is Health Credit Union Safe? Birmingham, Alabama
Based on its Q2 2026 NCUA 5300 call report, Health Credit Union has a net worth ratio of 22.33%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.72%, 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, Health Credit Union's net worth ratio is 22.33%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.33%
- Delinquency ratio (60+ days) (Q2 2026): 1.72%
- Return on assets (Q2 2026): 0.13%
- Loan-to-share ratio (Q2 2026): 93.72%
Health Credit Union (NCUA charter 62664, established 1955) reported $27.6M in assets and 2,114 members for Q2 2026 from Birmingham, Alabama. It ranks 55 of 87 credit unions in Alabama by total assets. Total assets fell 3.3% from $28.5M on June 30, 2025. It has 33 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 0.88 percentage points from 21.45% on June 30, 2025. Used vehicle loans are its largest loan category, $9.0M of $19.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.72% 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: 22.42% for Q1 2026; 21.45% 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: 2.28% for Q1 2026; 3.40% 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: 0.13% for Q1 2026; -1.62% 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: 92.00% for Q1 2026; 78.39% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $9.0M
- New vehicle loans: $3.8M
- 1- to 4-family residential and other consumer real estate loans: $2.7M
- Unsecured credit card loans: $1.9M
- Other unsecured loans and lines of credit: $1.7M
- Other secured non-real estate loans and lines of credit: $686K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $27.6M | 22.33% | 1.72% | 0.13% | 93.72% |
| March 31, 2026 | $27.4M | 22.42% | 2.28% | 0.13% | 92.00% |
| December 31, 2025 | $27.6M | 22.20% | 2.14% | -0.37% | 89.34% |
| September 30, 2025 | $28.3M | 21.77% | 2.73% | 0.74% | 82.60% |
| June 30, 2025 | $28.5M | 21.45% | 3.40% | -1.62% | 78.39% |
| March 31, 2025 | $28.7M | 21.72% | 2.20% | 0.79% | 79.52% |
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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.
Regulator records: NCUA credit union profile (charter 62664) · FFIEC NIC profile (RSSD 985394)
Frequently asked questions
Is Health Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Health Credit Union's net worth ratio is 22.33%, above the 7% NCUA threshold for well capitalized.
Is Health Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Health Credit Union is a federally insured credit union (NCUA charter 62664): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Health Credit Union's key safety ratios?
For Q2 2026, Health Credit Union reports net worth 22.33%, delinquency 1.72%, ROA 0.13%, loan-to-share 93.72%.
What happens to my money if Health Credit Union fails?
For Q2 2026, Health Credit Union held $21.1M in shares and deposits for 2,114 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.