State credit union · HUNTSVILLE, Alabama · NCUA charter #60500
North Alabama Educators
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $139.3M
- Total assets
- 10,859
- Members
- 7.9%
- Net-worth ratio
North Alabama Educators scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $139.3M; members 10,859; net-worth ratio 7.94%; health rank #2,906 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,906 of 4,374 health · 2025Q4North Alabama Educators · health 79/100 · $139.3M · 2025Q4
- HEALTH 79/100
- NW 7.9%
- DELQ 0.46%
- ROA 0.15%
- ASSETS $139.3M
- MEM 10,859
- RANK #2,906/4,374
- PHOTO UPSTATE
- BOOK 60500
North Alabama Educators in the assets neighbourhood
North Alabama Educators's $139.3M assets sit next to UPSTATE ($139.4M) 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.
North Alabama Educators 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
79 33rd percentile higher than 33% 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
North Alabama Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60500: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
North Alabama Educators vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.43 pp (0.46% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -29.96 pp (42.24% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Alabama Educators: in-state Call Report ranks
- Alabama health ordinal: #59 of 89.
- Assets rank #32 of 89 inside Alabama ($139.3M reported).
- Member book place in Alabama: #31 of 89.
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 North Alabama Educators's 5300 filing moved
North Alabama Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $139.3M (2025Q4) to $142.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (7.89% → 7.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.7 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.94% | -4.17 pp |
| Delinquency Rate | 0.46% | -0.43 pp |
| Return on Assets | 0.15% | -0.47 pp |
| Member Growth | 0.84% | - |
| Loan-to-Share Ratio | 42.24% | -29.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
North Alabama Educators filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $142.7M | - |
| 2025Q4 | $139.3M | 10,859 |
| 2024Q4 | $132.7M | 10,769 |
| 2023Q4 | $130.5M | 10,677 |
Credit Union Details
- Charter Number
- 60500
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- HUNTSVILLE
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, North Alabama Educators runs 6 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Huntsville, AL |
| Athens Branch | Athens, AL |
| EPL, Inc. / VISIFI | Hoover, AL |
| Sparkman Branch | Huntsville, AL |
| Rocket City FCU | Huntsville, AL |
| Madison Branch | Madison, 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 North Alabama Educators
Cross-state asset and health neighbours for North Alabama Educators - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($139.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- North Alabama Educators ranks #2,906 of 4,374 nationally on financial health and #59 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mobile Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mobile Educators
- 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 North Alabama Educators financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - North Alabama Educators'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 #2,906 of 4,374; by total assets it ranks #1,549 of 4,374 nationally (same basis as /rankings/largest); and #32 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.94% net worth ratio and 0.46% delinquency rate are the key drivers.
How does North Alabama Educators compare to other credit unions?
Five weighted metrics from NCUA filings produce North Alabama Educators's 79/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 North Alabama Educators?
Membership eligibility for North Alabama Educators depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Alabama Educators directly for current membership requirements and application steps.
Is my money safe at North Alabama Educators?
Federal credit unions like North Alabama Educators 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. North Alabama Educators's net worth ratio of 7.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Alabama Educators offer compared to banks?
Credit unions like North Alabama Educators 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 North Alabama Educators 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.