Credit Union Safety Analysis
Is Nucor Employees Federal Credit Union Safe? Fort Payne, Alabama
Based on its Q2 2026 NCUA 5300 call report, Nucor Employees Federal Credit Union has a net worth ratio of 30.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Nucor Employees Federal Credit Union's net worth ratio is 30.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 30.69%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.20%
- Loan-to-share ratio (Q2 2026): 66.57%
Nucor Employees Federal Credit Union (NCUA charter 15752, established 1963) reported $2.2M in assets and 279 members for Q2 2026 from Fort Payne, Alabama. It ranks 84 of 87 credit unions in Alabama by total assets. Total assets fell 11.3% from $2.5M on June 30, 2025. It has 24 fewer members than on June 30, 2025 (-7.9%). Its net worth ratio was up 3.67 percentage points from 27.02% on June 30, 2025. Used vehicle loans are its largest loan category, $459K of $1.0M in total loans on its June 30, 2026 filing.
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: 29.55% for Q1 2026; 27.02% 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%.
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: 0.46% for Q1 2026; -0.03% 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: 72.52% for Q1 2026; 56.71% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $459K
- New vehicle loans: $343K
- Other secured non-real estate loans and lines of credit: $180K
- Other unsecured loans and lines of credit: $47K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.2M | 30.69% | — | 0.20% | 66.57% |
| March 31, 2026 | $2.3M | 29.55% | — | 0.46% | 72.52% |
| December 31, 2025 | $2.5M | 26.98% | 0.14% | -0.39% | 60.22% |
| September 30, 2025 | $2.5M | 27.31% | — | 0.57% | 56.88% |
| June 30, 2025 | $2.5M | 27.02% | — | -0.03% | 56.71% |
| March 31, 2025 | $2.5M | 27.80% | 0.58% | 0.35% | 63.87% |
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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.
Nucor Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15752) · FFIEC NIC profile (RSSD 540681)
Frequently asked questions
Is Nucor Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Nucor Employees Federal Credit Union's net worth ratio is 30.69%, above the 7% NCUA threshold for well capitalized.
Is Nucor Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Nucor Employees Federal Credit Union is a federally insured credit union (NCUA charter 15752): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Nucor Employees Federal Credit Union's key safety ratios?
For Q2 2026, Nucor Employees Federal Credit Union reports net worth 30.69%, delinquency not reported, ROA 0.20%, loan-to-share 66.57%.
What happens to my money if Nucor Employees Federal Credit Union fails?
For Q2 2026, Nucor Employees Federal Credit Union held $1.5M in shares and deposits for 279 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.