State credit union · TUSCALOOSA, Alabama · NCUA charter #60823
ALABAMA
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.05B
- Total assets
- 156,023
- Members
- 10.0%
- Net-worth ratio
ALABAMA scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.05B; members 156,023; net-worth ratio 9.97%; health rank #988 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#988 of 4,374 health · 2025Q4ALABAMA · health 91/100 · $2.05B · 2025Q4
- BOOK 91/100
- CHARTER 10.0%
- NCUSIF 0.91%
- CAMELS 0.20%
- HEALTH $2.05B
- NW 156,023
- DELQ #988/4,374
- ROA First Entertainment
- ASSETS 60823
Call Report peers
ALABAMA in the assets neighbourhood
ALABAMA's $2.05B assets sit next to First Entertainment ($2.05B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALABAMA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALABAMA - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60823: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ALABAMA diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +6.25 pp (90.15% vs 83.90%).
- Net Worth Ratio trails the peer set - 9.97% here, 11.18% peer average (-1.21 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for ALABAMA
- Alabama health ordinal: #15 of 89.
- Alabama assets place: #6 of 89.
- Member book place in Alabama: #4 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALABAMA: 2025Q4 → 2026Q1
ALABAMA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $2.05B (2025Q4) to $2.06B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.83% → 9.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 20.9 pts
- Return on Assets 10.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.97% | -1.21 pp |
| Delinquency Rate | 0.91% | +0.03 pp |
| Return on Assets | 0.20% | -0.31 pp |
| Member Growth | 6.24% | - |
| Loan-to-Share Ratio | 90.15% | +6.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
ALABAMA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.06B | - |
| 2025Q4 | $2.05B | 156,023 |
| 2024Q4 | $1.95B | 146,856 |
| 2023Q4 | $1.92B | 156,062 |
Credit Union Details
- Charter Number
- 60823
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- TUSCALOOSA
- Data Quarter
- 2025Q4
Branch Locations (39)
The NCUA branch filing lists 39 physical offices for ALABAMA, spread across 22 cities in 2 states.
| Office | City |
|---|---|
| Administration Building (Main Office) | Tuscaloosa, AL |
| Downtown Birmingham Post Office | Birmingham, AL |
| Cullman Branch | Cullman, AL |
| Cullman North Branch | Cullman, AL |
| Daphne Branch | Daphne, AL |
| Decatur Branch | Decatur, AL |
| Fairhope | Fairhope, AL |
| Fayette Branch | Fayette, AL |
| Foley Branch | Foley, AL |
| Gulf Shores Branch | Gulf Shores, AL |
| Valleydale | Hoover, AL |
| Hoover Branch | Hoover, AL |
| Huntsville Branch | Huntsville, AL |
| South Huntsville Branch | Huntsville, AL |
| Hwy 72 Madison | Huntsville, AL |
| Jasper Branch | Jasper, AL |
| Kennedy Branch | Kennedy, AL |
| Loxley Branch | Loxley, AL |
| County Line Branch | Madison, AL |
| Greenbrier | Madison, AL |
| Austal Branch | Mobile, AL |
| Shoreline Branch | Mobile, AL |
| West Mobile Branch | Mobile, AL |
| Airbus | Mobile, AL |
| Alabama River Branch | Monroeville, AL |
| Huntington Branch | Northport, AL |
| Northport Branch | Northport, AL |
| Orange Beach Branch | Orange Beach, AL |
| Perdido Key Branch | Pensacola, FL |
| Main Branch | Tuscaloosa, AL |
| Indian Hills Branch | Tuscaloosa, AL |
| Five Points Branch | Tuscaloosa, AL |
| Hillcrest Branch | Tuscaloosa, AL |
| North River Branch | Tuscaloosa, AL |
| Downtown Branch | Tuscaloosa, AL |
| Skyland Branch | Tuscaloosa, AL |
| UA Student Center | Tuscaloosa, AL |
| Vance Office | Vance, AL |
| Vernon Branch | VERNON, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
ALABAMA nationwide neighbourhoods
Cross-state asset and health neighbours for ALABAMA - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.05B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- ALABAMA ranks #988 of 4,374 nationally on financial health and #15 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAX
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALABAMA financially healthy?
A 9.97% net worth ratio and a 0.91% delinquency rate feed into ALABAMA's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #988 of 4,374; by total assets it ranks #255 of 4,374 nationally (same basis as /rankings/largest); and #6 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ALABAMA compare to other credit unions?
Five weighted metrics from NCUA filings produce ALABAMA's 91/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ALABAMA?
Membership eligibility for ALABAMA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALABAMA directly for current membership requirements and application steps.
Is my money safe at ALABAMA?
Federal credit unions like ALABAMA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALABAMA's net worth ratio of 9.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALABAMA offer compared to banks?
Credit unions like ALABAMA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALABAMA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.