State credit union · MOBILE, Alabama · NCUA charter #68224
Azalea City
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $45.1M
- Total assets
- 4,441
- Members
- 15.4%
- Net-worth ratio
Azalea City - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68224: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Azalea City - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)74
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)78
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.38% | 30% |
| Delinquency Rate | 1.20% | 25% |
| Return on Assets | 0.64% | 15% |
| Member Growth | -6.17% | 15% |
| Loan-to-Share Ratio | 55.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Azalea City
The five-factor composite scores Azalea City at 75/100 (Very Good), reflecting a net worth ratio of 15.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in MOBILE, Alabama, reports 4,441 members, $45.1M in total assets, and $21.0M in outstanding loans as of Q4 2025 under charter #68224 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 1.20% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 55.22% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.64% on net income of $288K 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 -6.17%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 Azalea City financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Azalea City's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.38% net worth ratio and 1.20% delinquency rate are the key drivers.
How does Azalea City compare to other credit unions?
75/100 is Azalea City's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Azalea City 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. Azalea City's net worth ratio of 15.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Azalea City offer compared to banks?
Credit unions like Azalea City 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 Azalea City 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.