State credit union · HOOVER, Alabama · NCUA charter #60934
ALATRUST
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $213.2M
- Total assets
- 13,303
- Members
- 13.9%
- Net-worth ratio
ALATRUST scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $213.2M; members 13,303; net-worth ratio 13.91%; health rank #1,937 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,937 of 4,374 health · 2025Q4ALATRUST · health 85/100 · $213.2M · 2025Q4
Call Report peers
ALATRUST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALATRUST vs every NCUA-scored credit union
ALATRUST sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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 ALATRUST
- Net Worth Ratio leads the peer set - 13.91% here, 12.11% peer average (+1.80 pp).
- Loan-to-Share Ratio trails the peer set - 63.33% here, 72.20% peer average (-8.87 pp).
Where ALATRUST sits in Alabama
- In Alabama, health place is #38 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #26 of 89 inside Alabama ($213.2M reported).
- Alabama membership ordinal: #29 of 89.
- One place up in Alabama, Blue Flame (#37) ties at 85/100; one place down, Heritage South (#39) ties at 85/100.
Quarter path for ALATRUST
ALATRUST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $213.2M (2025Q4) to $219.5M (2026Q1).
- Net-worth ratio shifted -0.11 pp (14.02% → 13.91%).
At 13.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
ALATRUST gives up 15 points in total. Delinquency Rate costs the most, 9.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 13.3 pts
ALATRUST vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.91% | +1.80 pp |
| Delinquency Rate | 1.65% | +0.76 pp |
| Return on Assets | 0.84% | +0.21 pp |
| Member Growth | 2.17% | - |
| Loan-to-Share Ratio | 63.33% | -8.87 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - ALATRUST
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $219.5M | - |
| 2025Q4 | $213.2M | 13,303 |
| 2024Q4 | $202.1M | 13,020 |
| 2023Q4 | $199.3M | 12,937 |
Credit Union Details
- Charter Number
- 60934
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- HOOVER
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, ALATRUST runs 6 offices in 6 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Hoover, AL |
| Anniston Branch | Anniston, AL |
| Birmingham Branch | Irondale, AL |
| Jacksonville Branch | Jacksonville, AL |
| Jasper Branch | Jasper, AL |
| Talladega Branch | Talladega, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
ALATRUST nationwide neighbourhoods
Similar total assets
Using this data
- ALATRUST ranks #1,937 of 4,374 nationally on financial health and #38 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NAHEOLA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NAHEOLA
Frequently Asked Questions
Is ALATRUST financially healthy?
On its 2025Q4 NCUA 5300 filing, ALATRUST scores 85/100 (Excellent), with a 13.91% net worth ratio and 1.65% of loans delinquent. It ranks #1,937 of 4,374 nationally on health and #38 of 89 in Alabama.
How does ALATRUST compare to other credit unions?
ALATRUST scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.91% vs 12.11%). Its widest shortfall is loan-to-share ratio (63.33% vs 72.20%).
How can I join ALATRUST?
Membership eligibility for ALATRUST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALATRUST directly for current membership requirements and application steps.
Is my money safe at ALATRUST?
ALATRUST 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. ALATRUST's net worth ratio of 13.91% 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.