State credit union · Florence, Alabama · NCUA charter #61944
Lauderdale County Teachers
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $37.6M
- Total assets
- 1,990
- Members
- 12.4%
- Net-worth ratio
Lauderdale County Teachers scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.6M; members 1,990; net-worth ratio 12.45%; health rank #2,590 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,590 of 4,374 health · 2025Q4Lauderdale County Teachers · health 81/100 · $37.6M · 2025Q4
Call Report peers
Lauderdale County Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lauderdale County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lauderdale County Teachers sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Lauderdale County Teachers diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.02% vs peer 1.15% (-1.12 pp).
- Loan-to-Share Ratio trails the peer set - 38.92% here, 59.80% peer average (-20.88 pp).
Alabama standing for Lauderdale County Teachers
- In Alabama, health place is #57 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #51 of 89.
- Membership ranks #59 of 89 among Alabama CUs with a reported count (1,990 members).
- One place up in Alabama, Mobile Educators (#56) ties at 81/100; one place down, COUNCILL (#58) scores 80/100, 1 point lower.
Lauderdale County Teachers: 2025Q4 → 2026Q1
Lauderdale County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $37.6M (2025Q4) to $38.4M (2026Q1).
- Net-worth ratio shifted +0.15 pp (12.30% → 12.45%).
12.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Lauderdale County Teachers gives up 19 points in total. Member Growth costs the most, 13.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 9.9 pts
Lauderdale County Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.45% | -2.41 pp |
| Delinquency Rate | 0.02% | -1.12 pp |
| Return on Assets | 0.76% | +0.05 pp |
| Member Growth | -4.37% | - |
| Loan-to-Share Ratio | 38.92% | -20.88 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Lauderdale County Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.4M | - |
| 2025Q4 | $37.6M | 1,990 |
| 2024Q4 | $35.7M | 2,081 |
| 2023Q4 | $36.4M | 2,106 |
Credit Union Details
- Charter Number
- 61944
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Florence
- Data Quarter
- 2025Q4
Branch Locations (2)
Lauderdale County Teachers operates 2 offices in Florence, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Florence, AL |
| Florence Federal Credit Union | Florence, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near Lauderdale County Teachers
Using this data
- Lauderdale County Teachers ranks #2,590 of 4,374 nationally on financial health and #57 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Social Security is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Social Security
Frequently Asked Questions
Is Lauderdale County Teachers financially healthy?
Lauderdale County Teachers has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,590 of 4,374 nationally on health and #57 of 89 in Alabama. Its net worth ratio is 12.45% and its delinquency rate 0.02%.
How does Lauderdale County Teachers compare to other credit unions?
Lauderdale County Teachers scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.02% vs 1.15%). Its widest shortfall is loan-to-share ratio (38.92% vs 59.80%).
How can I join Lauderdale County Teachers?
Membership eligibility for Lauderdale County Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lauderdale County Teachers directly for current membership requirements and application steps.
Is my money safe at Lauderdale County Teachers?
Lauderdale County Teachers 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. Lauderdale County Teachers's net worth ratio of 12.45% 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.