Federal credit union · ANDALUSIA, Alabama · NCUA charter #23990
Andalusia Mills Employees Credit as
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $3.0M
- Total assets
- 867
- Members
- 21.4%
- Net-worth ratio
Andalusia Mills Employees Credit as - Share Insurance Coverage
Charter #23990's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Andalusia Mills Employees Credit as - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)85
- Member growth100
- Liquidity (loan-to-share)63
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.36% | 30% |
| Delinquency Rate | 0.20% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | 5.09% | 15% |
| Loan-to-Share Ratio | 38.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.0M | 867 |
| 2024Q4 | $2.7M | 825 |
| 2023Q4 | $2.8M | 776 |
Credit Union Details
- Charter Number
- 23990
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- ANDALUSIA
- Data Quarter
- 2025Q4
What This Data Says About Andalusia Mills Employees Credit as
Andalusia Mills Employees Credit as is a federal credit union headquartered in ANDALUSIA, Alabama, serving 867 members with $3.0M in total assets and $915K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 21.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #23990 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.20% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 38.47% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.35% on net income of $11K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.09%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Andalusia Mills Employees Credit as financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Andalusia Mills Employees Credit as's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.36% net worth ratio and 0.20% delinquency rate are the key drivers.
How does Andalusia Mills Employees Credit as compare to other credit unions?
PlainCU's health composite puts Andalusia Mills Employees Credit as at 92/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Andalusia Mills Employees Credit as?
Andalusia Mills Employees Credit as operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Andalusia Mills Employees Credit as directly for the exact boundaries and application steps.
Is my money safe at Andalusia Mills Employees Credit as?
Federal credit unions like Andalusia Mills Employees Credit as 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. Andalusia Mills Employees Credit as's net worth ratio of 21.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Andalusia Mills Employees Credit as offer compared to banks?
Credit unions like Andalusia Mills Employees Credit as 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 Andalusia Mills Employees Credit as directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.