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
- ASSETS 81/100
- MEM 12.4%
- RANK 0.02%
- PHOTO 0.76%
- BOOK $37.6M
- CHARTER 1,990
- NCUSIF #2,590/4,374
- CAMELS Niagara Regional
- HEALTH 61944
Call Report peers
Lauderdale County Teachers in the assets neighbourhood
Lauderdale County Teachers's $37.6M assets sit next to Niagara Regional ($37.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% 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
Lauderdale County Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61944 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Lauderdale County Teachers: 2025Q4 → 2026Q1
Lauderdale County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $37.6M (2025Q4) to $38.4M (2026Q1).
- Net-worth ratio shifted +0.15 pp (12.30% → 12.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Lauderdale County Teachers, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 Lauderdale County Teachers financially healthy?
Lauderdale County Teachers scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,590 of 4,374; by total assets it ranks #2,662 of 4,374 nationally (same basis as /rankings/largest); and #51 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.45% net worth ratio and a 0.02% delinquency rate.
How does Lauderdale County Teachers compare to other credit unions?
Five weighted metrics from NCUA filings produce Lauderdale County Teachers's 81/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Lauderdale County Teachers 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. Lauderdale County Teachers's net worth ratio of 12.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lauderdale County Teachers offer compared to banks?
Credit unions like Lauderdale County Teachers 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 Lauderdale County Teachers 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.