State credit union · Birmingham, Alabama · NCUA charter #64645
Alabama Postal
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $6.4M
- Total assets
- 904
- Members
- 44.2%
- Net-worth ratio
Alabama Postal scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.4M; members 904; net-worth ratio 44.24%; health rank #2,913 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,913 of 4,374 health · 2025Q4Alabama Postal · health 78/100 · $6.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alabama Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Alabama Postal sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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 Postal vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +25.18 pp (44.24% vs 19.06%).
- Delinquency Rate trails the peer set - 2.66% here, 1.81% peer average (+0.85 pp).
Where Alabama Postal sits in Alabama
- Alabama health ordinal: #60 of 89.
- Assets rank #76 of 89 inside Alabama ($6.4M reported).
- Membership ranks #74 of 89 among Alabama CUs with a reported count (904 members).
- One place up in Alabama, North Alabama Educators (#59) scores 79/100, 1 point higher; one place down, RAILROAD (#61) ties at 78/100.
How Alabama Postal's 5300 filing moved
Alabama Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $6.4M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted +0.59 pp (43.65% → 44.24%).
This credit union's 44.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Alabama Postal gives up 22 points in total. Delinquency Rate costs the most, 16.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 13.3 pts
Alabama Postal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 44.24% | +25.18 pp |
| Delinquency Rate | 2.66% | +0.85 pp |
| Return on Assets | 2.29% | +1.84 pp |
| Member Growth | 1.92% | - |
| Loan-to-Share Ratio | 63.81% | +0.21 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Alabama Postal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.4M | - |
| 2025Q4 | $6.4M | 904 |
| 2024Q4 | $5.9M | 887 |
| 2023Q4 | $5.9M | 868 |
Credit Union Details
- Charter Number
- 64645
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Alabama Postal.
| Office | City |
|---|---|
| Alabama Postal Credit Union (Main Office) | Birmingham, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Alabama Postal nationwide neighbourhoods
Using this data
- Alabama Postal ranks #2,913 of 4,374 nationally on financial health and #60 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Montgomery Va is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Montgomery Va
Frequently Asked Questions
Is Alabama Postal financially healthy?
On its 2025Q4 NCUA 5300 filing, Alabama Postal scores 78/100 (Very Good), with a 44.24% net worth ratio and 2.66% of loans delinquent. It ranks #2,913 of 4,374 nationally on health and #60 of 89 in Alabama.
How does Alabama Postal compare to other credit unions?
Alabama Postal scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (44.24% vs 19.06%). Its widest shortfall is delinquency rate (2.66% vs 1.81%).
How can I join Alabama Postal?
Membership eligibility for Alabama Postal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alabama Postal directly for current membership requirements and application steps.
Is my money safe at Alabama Postal?
Alabama Postal 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 Postal's net worth ratio of 44.24% 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.