credit union

Wcu Credit Union

Decatur, AL · Est. 1948
B
Trust Grade
Strong
Score: 82/100

Wcu Credit Union is a credit union based in Decatur, Alabama, established in 1948, with $35 million in total assets serving 3,359 members. By Trust Grade it ranks 78th of 89 credit unions we track in Alabama. Its net worth ratio of 9.1% trails most similarly sized credit unions (10th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.37% return on assets. No consumer complaints against Wcu Credit Union appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$35.2M
<$100M institution
Members
3,359
Shares & deposits
—
Net worth ratio
9.1%
Bottom 10% of <$100M peers · Alabama median 14.2%
Return on assets
0.4%
Bottom 38% of <$100M peers · Alabama median 0.65%
Rank in Alabama
#78
of 89 credit unions

How Wcu Credit Union compares to Alabama peers

Net worth ratio
Bottom 10% of <$100M peers
Wcu Credit
9.1%
Alabama median
14.2%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 38% of <$100M peers
Wcu Credit
0.4%
Alabama median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Wcu Credit Union

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
82/100
Customer experience
n/a
Overall
B · 82
  • Well-capitalized (9.1% capital ratio)
  • Profitable (ROA 0.37%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Wcu Credit Union over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Wcu Credit Union insured?

Yes. Wcu Credit Union is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Wcu Credit Union: frequently asked questions

Is Wcu Credit Union a good credit union?

Wcu Credit Union earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (9.1% capital ratio); Profitable (ROA 0.37%).

Is Wcu Credit Union NCUA-insured?

Yes. Wcu Credit Union is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Wcu Credit Union?

Wcu Credit Union holds $35 million in total assets, ranking 78th of 89 credit unions we track in Alabama. It serves 3,359 members.

Does Wcu Credit Union have CFPB complaints?

No CFPB complaints against Wcu Credit Union appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

Social Security
credit union · Birmingham, AL · $37M assets
The Infirmary
credit union · Mobile, AL · $33M assets
Lauderdale County Teachers
credit union · Florence, AL · $38M assets
Baldwin County
credit union · Bay Minette, AL · $32M assets
Red Oak
credit union · Tuscaloosa, AL · $40M assets
Mead Coated Board
credit union · Eufaula, AL · $41M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

From the Blog

View all guides →
Stacks of coins of increasing height — representing savings held at a bank
Banking Guides
How Much Money Should You Keep in One Bank?
FDIC and NCUA insurance covers $250,000 per depositor, per ownership category, per institution. Here's how to think about how much to keep at a single bank — and when to spread it out.
June 25, 2026 · 4 min read
A jar of coins with a small plant growing out of it — representing savings growth
Banking Guides
High-Yield Savings Accounts: What to Know in 2026
High-yield savings accounts can pay many times the national average rate — with the same FDIC insurance as any other deposit. Here's how they work and what to watch for.
June 25, 2026 · 4 min read
A person using a card reader at a counter — representing everyday banking
Banking Guides
Are Credit Unions Safer Than Banks?
Credit unions and banks are insured by different agencies but to the same $250,000 limit. Here's what 'safer' really means — and where the two genuinely differ.
June 25, 2026 · 4 min read
A person reviewing finances on a laptop with a notebook — representing switching banks
Banking Guides
How to Switch Banks Without the Headache
Switching banks sounds painful, but a clean move comes down to a short checklist: open the new account, move your automatic payments, then close the old one carefully.
June 25, 2026 · 5 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Wisconsin (2026)
We analyzed all 154 FDIC-insured banks headquartered in Wisconsin using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read
Person using a contactless payment card at a terminal
State Guides
Most Trustworthy Credit Unions in Wisconsin (2026)
We analyzed all 99 NCUA-insured credit unions in Wisconsin by net worth ratio, ROA, and CFPB complaint data. Here are the most trustworthy.
June 25, 2026 · 7 min read
Stacked financial documents representing bank complaint records
State Guides
Banks to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
2 banks in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated FDIC-insured banks in the state — and what the warning signs mean for depositors.
June 25, 2026 · 7 min read
Customer service interaction at a financial institution
State Guides
Credit Unions to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
1 credit unions in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated NCUA-insured credit unions in the state — and what the warning signs mean.
June 25, 2026 · 7 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Michigan (2026)
We analyzed all 73 FDIC-insured banks headquartered in Michigan using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read