WCU CREDIT UNION
State-Chartered • Decatur, Alabama • Est. 1948
Quick Facts
- Charter Number
- #61150
- Type
- State-Chartered
- Established
- 1948
- Headquarters
- Decatur, Alabama 35603-1503
- Address
- 2505 Highway 31 S
- Branches
- 2
- ATMs
- 2
- Members
- 3,375
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
3,375 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WCU CREDIT UNION |
|---|---|
| Total Assets | $34.1M |
| Members | 3,375 |
| Loans Outstanding | $17.5M |
| Shares & Deposits | $30.9M |
| Net Worth | $3.1M |
| Net Worth Ratio | 9.23% |
| Loan-to-Share Ratio | 56.7% |
| Delinquency Rate | 0.25% |
| Net Income | +$185,447 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
WCU Credit Union
26 Franklin Smith Rd
Moulton, AL 35650-1923
WCU Credit Union
Main Office2505 Highway 31 S
Decatur, AL 35603-1503
Who Can Join WCU CREDIT UNION?
Membership Type: Community
Membership eligibility for WCU CREDIT UNION may vary. Contact the credit union directly to confirm qualification requirements.
Contact WCU CREDIT UNION directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. WCU CREDIT UNION is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WCU CREDIT UNION has 3,375 members and a potential membership field of 6,500 people.
WCU CREDIT UNION's net worth ratio is 9.23% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.2%, WCU CREDIT UNION meets this threshold.
WCU CREDIT UNION operates 2 branch locations and has access to 2 ATMs. The main office is located at 2505 Highway 31 S, Decatur, AL 35603-1503.
WCU CREDIT UNION was established in 1948. It is a state-chartered credit union chartered under charter number 61150. The institution has been serving members for 78 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WCU CREDIT UNION. All financial data is for informational purposes only.