State credit union · MOBILE, Alabama · NCUA charter #68224
Azalea City
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $45.1M
- Total assets
- 4,441
- Members
- 15.3%
- Net-worth ratio
Azalea City scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.1M; members 4,441; net-worth ratio 15.32%; health rank #3,252 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,252 of 4,374 health · 2025Q4Azalea City · health 75/100 · $45.1M · 2025Q4
Call Report peers
Azalea City in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Azalea City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Azalea City sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Azalea City diverges from peer averages
- Net Worth Ratio leads the peer set - 15.32% here, 14.86% peer average (+0.46 pp).
- Largest lag: Loan-to-Share Ratio at 55.22% vs peer 59.80% (-4.58 pp).
Alabama standing for Azalea City
- In Alabama, health place is #67 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #45 of 89 inside Alabama ($45.1M reported).
- Membership ranks #45 of 89 among Alabama CUs with a reported count (4,441 members).
- One place up in Alabama, Mobile Government Emp. (#66) ties at 75/100; one place down, FLORENCE (#68) ties at 75/100.
Azalea City Call Report trajectory
Azalea City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $45.1M (2025Q4) to $46.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (15.38% → 15.32%).
This credit union's 15.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Azalea City gives up 25 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.5 pts
Azalea City health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.32% | +0.46 pp |
| Delinquency Rate | 1.20% | +0.05 pp |
| Return on Assets | 0.64% | -0.07 pp |
| Member Growth | -6.17% | - |
| Loan-to-Share Ratio | 55.22% | -4.58 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.1M | - |
| 2025Q4 | $45.1M | 4,441 |
| 2024Q4 | $43.1M | 4,733 |
| 2023Q4 | $42.5M | 4,983 |
Credit Union Details
- Charter Number
- 68224
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- MOBILE
- Data Quarter
- 2025Q4
Branch Locations (5)
Azalea City operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Azalea City Credit Union (Main Office) | MOBILE, AL |
| AZALEA CITY CREDIT UNION | CALVERT, AL |
| AZALEA CITY CREDIT UNION | GROVE HILL, AL |
| AZALEA CITY CREDIT UNION | MOBILE, AL |
| AZALEA CITY CREDIT UNION | MOBILE, 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.
Cross-state Call Report peers for Azalea City
Similar total assets
Similar health score
Using this data
- Azalea City ranks #3,252 of 4,374 nationally on financial health and #67 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Solutions First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Solutions First
Frequently Asked Questions
Is Azalea City financially healthy?
Azalea City has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,252 of 4,374 nationally on health and #67 of 89 in Alabama. Its net worth ratio is 15.32% and its delinquency rate 1.20%.
How does Azalea City compare to other credit unions?
Azalea City scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.32% vs 14.86%). Its widest shortfall is loan-to-share ratio (55.22% vs 59.80%).
How can I join Azalea City?
Membership eligibility for Azalea City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Azalea City directly for current membership requirements and application steps.
Is my money safe at Azalea City?
Azalea City 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. Azalea City's net worth ratio of 15.32% 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.