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
- 3,359
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
3,359 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WCU CREDIT UNION |
|---|---|
| Total Assets | $35.2M |
| Members | 3,359 |
| Loans Outstanding | $17.1M |
| Shares & Deposits | $32.0M |
| Net Worth | $3.2M |
| Net Worth Ratio | 9.05% |
| Loan-to-Share Ratio | 53.5% |
| Delinquency Rate | 0.15% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Alabama
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Alabama RankingsFrequently Asked Questions
WCU CREDIT UNION is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, WCU CREDIT UNION has 3,359 members and a potential membership field of 6,500 people.
WCU CREDIT UNION's reported net worth ratio is 9.05% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or WCU CREDIT UNION. All financial data is for informational purposes only.