State credit union · Montgomery, Alabama · NCUA charter #64598

Alabama State Employees

Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

82
Health / 100
$442.2M
Total assets
39,166
Members
11.8%
Net-worth ratio

Alabama State Employees scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $442.2M; members 39,166; net-worth ratio 11.83%; health rank #2,443 of 4,374; healthier than 43rd of scored peers.

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#2,443 of 4,374 health · 2025Q4

Alabama State Employees · health 82/100 · $442.2M · 2025Q4

Alabama State Employees in the assets neighbourhood

Ouachita Valley$444.2MTexas Tech$442.2MAlabama State Employees (this)Alabama State Employees (thi…$442.2MGAIN$442.0MWMCU$441.9MAssemblies of God$440.7M
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

Alabama State Employees vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); Alabama State Employees sits in 80-84 with 767 others.

82 43rd percentile higher than 43% 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

Where Alabama State Employees diverges from peer averages

  • Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.46 pp (0.44% vs 0.89%).
  • Loan-to-Share Ratio trails the peer set - 63.89% here, 72.20% peer average (-8.31 pp).

Alabama standing for Alabama State Employees

  • Alabama health ordinal: #51 of 89.
  • Alabama assets place: #18 of 89.
  • Member book place in Alabama: #14 of 89.
  • One place up in Alabama, Family Savings (#50) scores 83/100, 1 point higher; one place down, AVADIAN (#52) ties at 82/100.

Alabama State Employees Call Report trajectory

Alabama State Employees: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

380,000,000400,000,000420,000,000440,000,000460,000,000480,000,000 2023Q42024Q42025Q42026Q1 398,307,514 460,938,814 ▲ +15.7%
  • Assets moved +4.2% from $442.2M (2025Q4) to $460.9M (2026Q1).
  • Net-worth ratio shifted -0.32 pp (12.15% → 11.83%).
Net worth ratio vs. NCUA well-capitalized threshold 78.9%

This credit union's 11.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

How the 82/100 score is built

Alabama State Employees gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 25.0 pts
  • Return on Assets 13.5 pts
  • Member Growth 0.0 pts
  • Loan-to-Share Ratio 13.5 pts

Alabama State Employees vs peer ratios

Metric Value vs peer
Net Worth Ratio 11.83% -0.28 pp
Delinquency Rate 0.44% -0.46 pp
Return on Assets 0.40% -0.23 pp
Member Growth -5.79% -
Loan-to-Share Ratio 63.89% -8.31 pp

Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.

Alabama State Employees filing history

Quarter Assets Members
2026Q1 $460.9M -
2025Q4 $442.2M 39,166
2024Q4 $409.2M 41,575
2023Q4 $398.3M 43,886

Credit Union Details

Charter Number
64598
Type
State
Field of Membership
Other
Peer Group
$100M–$500M
State
Alabama
City
Montgomery
Data Quarter
2025Q4

Branch Locations (10)

Alabama State Employees operates 10 offices across 7 cities, per its most recent NCUA branch filing.

Office City
Operations Center (Main Office) Montgomery, AL
Clanton Clanton, AL
Greenville Greenville, AL
Millbrook Millbrook, AL
Interstate Montgomery, AL
Washington Montgomery, AL
Eastchase Montgomery, AL
Prattville Prattville, AL
Selma Selma, AL
Wetumpka Wetumpka, 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.

Compare Alabama State Employees vs WINSOUTH

Nationwide credit unions with similar profiles

Using this data

  • Alabama State Employees ranks #2,443 of 4,374 nationally on financial health and #51 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • WINSOUTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WINSOUTH

Frequently Asked Questions

Is Alabama State Employees financially healthy?

On its 2025Q4 NCUA 5300 filing, Alabama State Employees scores 82/100 (Excellent), with a 11.83% net worth ratio and 0.44% of loans delinquent. It ranks #2,443 of 4,374 nationally on health and #51 of 89 in Alabama.

How does Alabama State Employees compare to other credit unions?

Alabama State Employees scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.44% vs 0.89%). Its widest shortfall is loan-to-share ratio (63.89% vs 72.20%).

How can I join Alabama State Employees?

Membership eligibility for Alabama State Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alabama State Employees directly for current membership requirements and application steps.

Is my money safe at Alabama State Employees?

Alabama State Employees 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 State Employees's net worth ratio of 11.83% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for Alabama State Employees. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.