Credit Union Safety Analysis
Is Opp-Micolas Credit Union Safe? Opp, Alabama
Based on its Q2 2026 NCUA 5300 call report, Opp-Micolas Credit Union has a net worth ratio of 25.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.46%, 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, Opp-Micolas Credit Union's net worth ratio is 25.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 25.17%
- Delinquency ratio (60+ days) (Q2 2026): 1.46%
- Return on assets (Q2 2026): 0.02%
- Loan-to-share ratio (Q2 2026): 31.92%
Opp-Micolas Credit Union (NCUA charter 62486, established 1954) reported $10.4M in assets and 1,459 members for Q2 2026 from Opp, Alabama. It ranks 69 of 87 credit unions in Alabama by total assets. Total assets fell 3.2% from $10.8M on June 30, 2025. It has 185 fewer members than on June 30, 2025 (-11.3%). Its net worth ratio was up 0.53 percentage points from 24.64% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.1M of $2.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.46% 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: 25.21% for Q1 2026; 24.64% 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: 3.81% for Q1 2026; 4.21% 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: -1.19% for Q1 2026; -0.16% 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: 32.14% for Q1 2026; 31.43% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.1M
- Used vehicle loans: $1.1M
- Other secured non-real estate loans and lines of credit: $182K
- Commercial loans: $57K
- Other unsecured loans and lines of credit: $9K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.4M | 25.17% | 1.46% | 0.02% | 31.92% |
| March 31, 2026 | $10.4M | 25.21% | 3.81% | -1.19% | 32.14% |
| December 31, 2025 | $10.4M | 25.67% | 0.16% | -0.07% | 31.56% |
| September 30, 2025 | $10.6M | 25.15% | 4.38% | 0.10% | 29.42% |
| June 30, 2025 | $10.8M | 24.64% | 4.21% | -0.16% | 31.43% |
| March 31, 2025 | $10.7M | 24.78% | 4.33% | -1.84% | 32.46% |
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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.
Opp-Micolas Credit Union profile
Regulator records: NCUA credit union profile (charter 62486) · FFIEC NIC profile (RSSD 649098)
Frequently asked questions
Is Opp-Micolas Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Opp-Micolas Credit Union's net worth ratio is 25.17%, above the 7% NCUA threshold for well capitalized.
Is Opp-Micolas Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Opp-Micolas Credit Union is a federally insured credit union (NCUA charter 62486): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Opp-Micolas Credit Union's key safety ratios?
For Q2 2026, Opp-Micolas Credit Union reports net worth 25.17%, delinquency 1.46%, ROA 0.02%, loan-to-share 31.92%.
What happens to my money if Opp-Micolas Credit Union fails?
For Q2 2026, Opp-Micolas Credit Union held $7.8M in shares and deposits for 1,459 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.