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
- RANK 78/100
- PHOTO 44.2%
- BOOK 2.66%
- CHARTER 2.29%
- NCUSIF $6.4M
- CAMELS 904
- HEALTH #2,913/4,374
- NW n/a
- DELQ 64645
Call Report peers
Alabama Postal carries $6.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64645 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Alabama Postal's 5300 filing moved
Alabama Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $6.4M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted +0.59 pp (43.65% → 44.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Alabama Postal, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 Postal financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Alabama Postal'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 #2,913 of 4,374; by total assets it ranks #3,773 of 4,374 nationally (same basis as /rankings/largest); and #76 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 44.24% net worth ratio and 2.66% delinquency rate are the key drivers.
How does Alabama Postal compare to other credit unions?
On PlainCU's health composite, Alabama Postal lands at 78/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Alabama Postal 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 Postal's net worth ratio of 44.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alabama Postal offer compared to banks?
Credit unions like Alabama Postal 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 Postal 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.