Opp, Alabama · Peer group 3
Opp-Micolas Credit Union
Opp-Micolas Credit Union holds $10.4M in assets across 1,622 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1954. Charter number 62486, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $10.4M |
|---|---|
| Total loans | $2.5M |
| Total shares (deposits) | $7.8M |
| Net worth | $2.6M |
| Members | 1,622 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.9% | |
|---|---|---|
| Loans | -4.3% | around the 39th percentile of its peer group |
| Deposits | -3.3% | around the 21st percentile of its peer group |
| Members | -3.0% | around the 30th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 32.1% | around the 12th percentile of its peer group |
|---|---|---|
| Net worth ratio | 25.2% | higher than 95% of its peer group |
| Return on assets | -1.19% | lower than 95% of its peer group |
| Delinquency ratio | 3.81% | higher than 96% of its peer group |
| Cash / assets | 11.7% | around the 53rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Opp-Micolas Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- Birmingham City Credit Union
Birmingham, AL
$10.2M · 2,661 members
- Blue Flame Credit Union
Mobile, AL
$10.7M · 769 members
- Marvel City Credit Union
BESSEMER, AL
$9.2M · 947 members
- Tuskegee Credit Union
TUSKEGEE, AL
$11.7M · 2,055 members
- L&n Employees Credit Union
Birmingham, AL
$8.0M · 1,416 members
- Fedmont Credit Union
Montgomery, AL
$12.9M · 1,216 members
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