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
- NCUSIF 92/100
- CAMELS 20.6%
- HEALTH 0.20%
- NW 0.35%
- DELQ $3.0M
- ROA 867
- ASSETS #719/4,374
- MEM n/a
- RANK 23990
Call Report peers
Andalusia Mills Employees Credit as carries $3.0M 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.
Andalusia Mills Employees Credit as 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
92 Top 20% higher than 80% 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
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 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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Andalusia Mills Employees Credit as's 5300 filing moved
Andalusia Mills Employees Credit as: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $3.0M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted -0.71 pp (21.36% → 20.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Two NCUA Call Report peer sets for Andalusia Mills Employees Credit as, 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 (92/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #719 of 4,374; by total assets it ranks #4,045 of 4,374 nationally (same basis as /rankings/largest); and #83 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.65% 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 20.65% 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.
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.