Federal credit union · Stevenson, Alabama · NCUA charter #22070
North Alabama Papermakers
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $2.1M
- Total assets
- 330
- Members
- 26.4%
- Net-worth ratio
North Alabama Papermakers scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 330; net-worth ratio 26.44%; health rank #134 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#134 of 4,374 health · 2025Q4North Alabama Papermakers · health 97/100 · $2.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
North Alabama Papermakers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Alabama Papermakers sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Where North Alabama Papermakers diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +19.16 pp (82.76% vs 63.60%).
North Alabama Papermakers in Alabama
- In Alabama, health place is #3 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, North Alabama Papermakers is #87 of 89 in Alabama.
- Member book place in Alabama: #86 of 89.
- One place up in Alabama, New Horizons (#2) scores 98/100, 1 point higher; one place down, Rocket City (#4) ties at 97/100.
North Alabama Papermakers: 2025Q4 → 2026Q1
North Alabama Papermakers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -0.67 pp (27.11% → 26.44%).
26.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
North Alabama Papermakers gives up 3 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for North Alabama Papermakers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.44% | +7.38 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.41% | +0.96 pp |
| Member Growth | 2.17% | - |
| Loan-to-Share Ratio | 82.76% | +19.16 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.1M | 330 |
| 2024Q4 | $2.3M | 323 |
| 2023Q4 | $2.4M | 327 |
Credit Union Details
- Charter Number
- 22070
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Stevenson
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, North Alabama Papermakers runs one office.
| Office | City |
|---|---|
| North Alabama Papermakers Federal Credit Union (Main Office) | Stevenson, 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.
Cross-state Call Report peers for North Alabama Papermakers
Similar health score
Using this data
- North Alabama Papermakers ranks #134 of 4,374 nationally on financial health and #3 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Nucor Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Nucor Employees
Frequently Asked Questions
Is North Alabama Papermakers financially healthy?
On its 2025Q4 NCUA 5300 filing, North Alabama Papermakers scores 97/100 (Excellent), with a 26.44% net worth ratio and 0.00% of loans delinquent. It ranks #134 of 4,374 nationally on health and #3 of 89 in Alabama.
How does North Alabama Papermakers compare to other credit unions?
North Alabama Papermakers scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (82.76% vs 63.60%).
How can I join North Alabama Papermakers?
North Alabama Papermakers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact North Alabama Papermakers directly for the exact boundaries and application steps.
Is my money safe at North Alabama Papermakers?
North Alabama Papermakers is a federal 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 Papermakers's net worth ratio of 26.44% 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.