Credit Union Safety Analysis
Is Listerhill Credit Union Safe? Muscle Shoals, Alabama
Based on its Q2 2026 NCUA 5300 call report, Listerhill Credit Union has a net worth ratio of 11.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.62%, 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, Listerhill Credit Union's net worth ratio is 11.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.06%
- Delinquency ratio (60+ days) (Q2 2026): 0.62%
- Return on assets (Q2 2026): 1.08%
- Loan-to-share ratio (Q2 2026): 83.27%
Listerhill Credit Union (NCUA charter 63057, established 1952) reported $1.47B in assets and 91,900 members for Q2 2026 from Muscle Shoals, Alabama. It ranks 8 of 87 credit unions in Alabama by total assets. Total assets grew 3.1% from $1.43B on June 30, 2025. It has 470 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.33 percentage points from 10.73% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $430.2M of $1.09B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.62% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.95% for Q1 2026; 10.73% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.69% for Q1 2026; 0.42% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.43% for Q1 2026; 0.68% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 82.12% for Q1 2026; 81.57% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $430.2M
- Commercial loans: $236.3M
- Used vehicle loans: $215.4M
- Other secured non-real estate loans and lines of credit: $89.6M
- Other unsecured loans and lines of credit: $49.5M
- Unsecured credit card loans: $43.5M
- New vehicle loans: $27.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.47B | 11.06% | 0.62% | 1.08% | 83.27% |
| March 31, 2026 | $1.46B | 10.95% | 0.69% | 0.43% | 82.12% |
| December 31, 2025 | $1.43B | 11.04% | 0.84% | 0.70% | 83.65% |
| September 30, 2025 | $1.41B | 11.05% | 0.67% | 0.64% | 85.38% |
| June 30, 2025 | $1.43B | 10.73% | 0.42% | 0.68% | 81.57% |
| March 31, 2025 | $1.44B | 10.55% | 0.46% | 0.09% | 78.58% |
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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.
Listerhill Credit Union profile
Regulator records: NCUA credit union profile (charter 63057) · FFIEC NIC profile (RSSD 109592)
Frequently asked questions
Is Listerhill Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Listerhill Credit Union's net worth ratio is 11.06%, above the 7% NCUA threshold for well capitalized.
Is Listerhill Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Listerhill Credit Union is a federally insured credit union (NCUA charter 63057): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Listerhill Credit Union's key safety ratios?
For Q2 2026, Listerhill Credit Union reports net worth 11.06%, delinquency 0.62%, ROA 1.08%, loan-to-share 83.27%.
What happens to my money if Listerhill Credit Union fails?
For Q2 2026, Listerhill Credit Union held $1.31B in shares and deposits for 91,900 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.