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
Call Report peers
Alabama One in the assets neighbourhood
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
Alabama One sits in the busiest band, 85-89, alongside 857 other credit unions.
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
Peer-gap read for Alabama One
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.21 pp (79.69% vs 83.90%).
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.
- One place up in Alabama, Wcu Credit Union (#33) ties at 87/100; one place down, TVH (#35) scores 86/100, 1 point lower.
Quarter path for Alabama One
Alabama One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $1.48B (2025Q4) to $1.51B (2026Q1).
- Net-worth ratio shifted +0.17 pp (8.82% → 8.99%).
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
Alabama One gives up 13 points in total. Delinquency Rate costs the most, 4.2 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Alabama One financially healthy?
Alabama One has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,722 of 4,374 nationally on health and #34 of 89 in Alabama. Its net worth ratio is 8.99% and its delinquency rate 0.92%.
How does Alabama One compare to other credit unions?
Alabama One scores 87/100, higher than 60% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (79.69% vs 83.90%).
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?
Alabama One 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 One's net worth ratio of 8.99% 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.