Opp-Micolas
Opp-Micolas is a credit union based in Opp, Alabama, established in 1954, with $10 million in total assets serving 1,622 members. By Trust Grade it ranks 81st of 89 credit unions we track in Alabama. Its net worth ratio of 25.2% is stronger than 90% of similarly sized credit unions, versus a Alabama median of 14.2%. It posted a loss over the most recent period (-1.19% return on assets), a point to watch. No consumer complaints against Opp-Micolas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Opp-Micolas compares to Alabama peers
How we graded Opp-Micolas
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (25.2% capital ratio)
- Unprofitable over the period (ROA -1.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Opp-Micolas over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Opp-Micolas insured?
Yes. Opp-Micolas 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.
Opp-Micolas: frequently asked questions
Is Opp-Micolas a good credit union?
Opp-Micolas earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Strongly capitalized (25.2% capital ratio); Unprofitable over the period (ROA -1.19%).
Is Opp-Micolas NCUA-insured?
Yes. Opp-Micolas 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 Opp-Micolas?
Opp-Micolas holds $10 million in total assets, ranking 81st of 89 credit unions we track in Alabama. It serves 1,622 members.
Does Opp-Micolas have CFPB complaints?
No CFPB complaints against Opp-Micolas appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
