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
North Alabama Educators in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); North Alabama Educators sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Alabama, COUNCILL (#58) scores 80/100, 1 point higher; one place down, Alabama Postal (#60) scores 78/100, 1 point lower.
How North Alabama Educators's 5300 filing moved
North Alabama Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $139.3M (2025Q4) to $142.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (7.89% → 7.94%).
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
North Alabama Educators gives up 21 points in total. Return on Assets costs the most, 5.3 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is North Alabama Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, North Alabama Educators scores 79/100 (Very Good), with a 7.94% net worth ratio and 0.46% of loans delinquent. It ranks #2,906 of 4,374 nationally on health and #59 of 89 in Alabama.
How does North Alabama Educators compare to other credit unions?
North Alabama Educators scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.46% vs 0.89%). Its widest shortfall is loan-to-share ratio (42.24% vs 72.20%).
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?
North Alabama Educators 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. North Alabama Educators's net worth ratio of 7.94% 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.