State credit union · Tuscaloosa, Alabama · NCUA charter #68595
Alabama One
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.48B
- Total assets
- 96,201
- Members
- 9.0%
- Net-worth ratio
Alabama One scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.48B; members 96,201; net-worth ratio 8.99%; health rank #1,722 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,722 of 4,374 health · 2025Q4Alabama One · health 87/100 · $1.48B · 2025Q4
- MEM 87/100
- RANK 9.0%
- PHOTO 0.92%
- BOOK 0.28%
- CHARTER $1.48B
- NCUSIF 96,201
- CAMELS #1,722/4,374
- HEALTH Michigan First
- NW 68595
Call Report peers
Alabama One in the assets neighbourhood
Alabama One's $1.48B assets sit next to Michigan First ($1.48B) 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 One 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
87 Top 40% higher than 60% 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 One - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68595 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Alabama One
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.21 pp (79.69% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama One: in-state Call Report ranks
- Health composite ranks #34 of 89 among scored Alabama credit unions.
- Alabama assets place: #7 of 89.
- Alabama membership ordinal: #6 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.
Quarter path for Alabama One
Alabama One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $1.48B (2025Q4) to $1.51B (2026Q1).
- Net-worth ratio shifted +0.17 pp (8.82% → 8.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 20.8 pts
- Return on Assets 11.7 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 14.8 pts
Alabama One health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.99% | -2.19 pp |
| Delinquency Rate | 0.92% | +0.04 pp |
| Return on Assets | 0.28% | -0.23 pp |
| Member Growth | 2.64% | - |
| Loan-to-Share Ratio | 79.69% | -4.21 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 One filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.51B | - |
| 2025Q4 | $1.48B | 96,201 |
| 2024Q4 | $1.33B | 93,724 |
| 2023Q4 | $1.22B | 90,264 |
Credit Union Details
- Charter Number
- 68595
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Tuscaloosa
- Data Quarter
- 2025Q4
Branch Locations (31)
Alabama One operates 31 offices across 23 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Tuscaloosa, AL |
| Brewton | Brewton, AL |
| Carrollton Branch | Carrollton, AL |
| Centre Branch | Centre, AL |
| Demopolis | Demopolis, AL |
| Dothan Branch | Dothan, AL |
| Fayette | Fayette, AL |
| Goodwater | Goodwater, AL |
| Gordo | Gordo, AL |
| Hollis Crossroads | Heflin, AL |
| Linden | Linden, AL |
| Lake View | Mc Calla, AL |
| McIntosh | Mc Intosh, AL |
| Millbrook | Millbrook, AL |
| Montgomery-ARECU | Montgomery, AL |
| Mobile Branch | Mount Vernon, AL |
| Northport | Northport, AL |
| Hwy 43 | Northport, AL |
| Pike Road | Pike Road, AL |
| Roanoke | Roanoke, AL |
| Rockford | Rockford, AL |
| Samson Branch | Samson, AL |
| BF Goodrich | Tuscaloosa, AL |
| Taylorville | Tuscaloosa, AL |
| Skyland East | Tuscaloosa, AL |
| Commons North | Tuscaloosa, AL |
| Jack Warner | Tuscaloosa, AL |
| Skyland West | Tuscaloosa, AL |
| Alberta | Tuscaloosa, AL |
| Valley | Valley, AL |
| Wadley | Wadley, 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.
Cross-state Call Report peers for Alabama One
Cross-state asset and health neighbours for Alabama One - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.48B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Alabama One ranks #1,722 of 4,374 nationally on financial health and #34 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LISTERHILL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LISTERHILL
- 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 One financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Alabama One's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,722 of 4,374; by total assets it ranks #324 of 4,374 nationally (same basis as /rankings/largest); and #7 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.99% net worth ratio and 0.92% delinquency rate are the key drivers.
How does Alabama One compare to other credit unions?
PlainCU's health composite puts Alabama One at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 One?
Membership eligibility for Alabama One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alabama One directly for current membership requirements and application steps.
Is my money safe at Alabama One?
Federal credit unions like Alabama One 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 One's net worth ratio of 8.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alabama One offer compared to banks?
Credit unions like Alabama One 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 One 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.