Federal credit union · ANDALUSIA, Alabama · NCUA charter #23990
Andalusia Mills Employees Credit as
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $3.0M
- Total assets
- 867
- Members
- 20.6%
- Net-worth ratio
Andalusia Mills Employees Credit as scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.0M; members 867; net-worth ratio 20.65%; health rank #719 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#719 of 4,374 health · 2025Q4Andalusia Mills · health 92/100 · $3.0M · 2025Q4
Call Report peers
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Andalusia Mills Employees Credit as vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Andalusia Mills Employees Credit as sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Andalusia Mills Employees Credit as vs $2M–$10M peers
- Largest favorable gap: Delinquency Rate at 0.20% vs peer 1.81% (-1.61 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.13 pp (38.47% vs 63.60%).
Alabama standing for Andalusia Mills Employees Credit as
- Health composite ranks #13 of 89 among scored Alabama credit unions.
- Alabama assets place: #83 of 89.
- Membership ranks #75 of 89 among Alabama CUs with a reported count (867 members).
- One place up in Alabama, Tuscaloosa V a (#12) scores 93/100, 1 point higher; one place down, CITY (#14) scores 91/100, 1 point lower.
How Andalusia Mills Employees Credit as's 5300 filing moved
Andalusia Mills Employees Credit as: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $3.0M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted -0.71 pp (21.36% → 20.65%).
20.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Andalusia Mills Employees Credit as gives up 8 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.2 pts
Andalusia Mills health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.65% | +1.59 pp |
| Delinquency Rate | 0.20% | -1.61 pp |
| Return on Assets | 0.35% | -0.10 pp |
| Member Growth | 5.09% | - |
| Loan-to-Share Ratio | 38.47% | -25.13 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.2M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Andalusia Mills Employees Credit as runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Andalusia Mills Employees Credit Association (Main Office) | Andalusia, AL |
| SHAW INDUSTRIES, INC | Andalusia, AL |
| Andalusia Mills Emp Credit Assn | ANDALUSIA, 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.
Other-state peers near Andalusia Mills Employees Credit as
Similar health score
Using this data
- Andalusia Mills Employees Credit as ranks #719 of 4,374 nationally on financial health and #13 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DEMOPOLIS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DEMOPOLIS
Frequently Asked Questions
Is Andalusia Mills Employees Credit as financially healthy?
On its 2025Q4 NCUA 5300 filing, Andalusia Mills Employees Credit as scores 92/100 (Excellent), with a 20.65% net worth ratio and 0.20% of loans delinquent. It ranks #719 of 4,374 nationally on health and #13 of 89 in Alabama.
How does Andalusia Mills Employees Credit as compare to other credit unions?
Andalusia Mills Employees Credit as scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.20% vs 1.81%). Its widest shortfall is loan-to-share ratio (38.47% vs 63.60%).
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?
Andalusia Mills Employees Credit as is a federal 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. Andalusia Mills Employees Credit as's net worth ratio of 20.65% 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.