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
Call Report peers
ALABAMA in the assets neighbourhood
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ALABAMA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALABAMA sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
Alabama standing for ALABAMA
- Alabama health ordinal: #15 of 89.
- Alabama assets place: #6 of 89.
- Member book place in Alabama: #4 of 89.
- One place up in Alabama, CITY (#14) ties at 91/100; one place down, Tva Community Credit Union (#16) scores 90/100, 1 point lower.
ALABAMA: 2025Q4 → 2026Q1
ALABAMA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $2.05B (2025Q4) to $2.06B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.83% → 9.97%).
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
ALABAMA gives up 9 points in total. Return on Assets costs the most, 4.5 of its 15; Member Growth scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ALABAMA financially healthy?
On its 2025Q4 NCUA 5300 filing, ALABAMA scores 91/100 (Excellent), with a 9.97% net worth ratio and 0.91% of loans delinquent. It ranks #988 of 4,374 nationally on health and #15 of 89 in Alabama.
How does ALABAMA compare to other credit unions?
ALABAMA scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.15% vs 83.90%). Its widest shortfall is net worth ratio (9.97% vs 11.18%).
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?
ALABAMA is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.