State credit union · HUNTSVILLE, Alabama · NCUA charter #60500
North Alabama Educators
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $139.3M
- Total assets
- 10,859
- Members
- 7.6%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)100
- Earnings (ROA)65
- Member growth67
- Liquidity (loan-to-share)65
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.59% 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 | 7.59% | 30% |
| Delinquency Rate | 0.46% | 25% |
| Return on Assets | 0.15% | 15% |
| Member Growth | 0.84% | 15% |
| Loan-to-Share Ratio | 42.24% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About North Alabama Educators
Charter #60500, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's North Alabama Educators, a state credit union in HUNTSVILLE, Alabama with 10,859 members, $139.3M in total assets, and $54.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 7.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 42.24% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.46% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.15% on net income of $207K 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 0.84%. 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.59% 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 7.59% 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.
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.