Federal credit union · MOBILE, Alabama · NCUA charter #13659
University of South Alabama
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $55.2M
- Total assets
- 8,400
- Members
- 15.7%
- Net-worth ratio
University of South Alabama scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.2M; members 8,400; net-worth ratio 15.66%; health rank #1,210 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,210 of 4,374 health · 2025Q4University of South Alabama · health 89/100 · $55.2M · 2025Q4
Call Report peers
University of South Alabama in the assets neighbourhood
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University of South Alabama vs every NCUA-scored credit union
University of South Alabama sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
University of South Alabama: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.66% here, 13.62% peer average (+2.04 pp).
- Loan-to-Share Ratio trails the peer set - 55.02% here, 62.60% peer average (-7.58 pp).
Where University of South Alabama sits in Alabama
- In Alabama, health place is #21 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, University of South Alabama is #42 of 89 in Alabama.
- Alabama membership ordinal: #34 of 89.
- One place up in Alabama, DEMOPOLIS (#20) ties at 89/100; one place down, CHATTAHOOCHEE (#22) ties at 89/100.
How University of South Alabama's 5300 filing moved
University of South Alabama: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $55.2M (2025Q4) to $56.7M (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.51% → 15.66%).
At 15.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
University of South Alabama gives up 11 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 11.2 pts
University of South Alabama health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.66% | +2.04 pp |
| Delinquency Rate | 0.35% | -0.61 pp |
| Return on Assets | 2.12% | +1.46 pp |
| Member Growth | -0.65% | - |
| Loan-to-Share Ratio | 55.02% | -7.58 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - University of South Alabama
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $56.7M | - |
| 2025Q4 | $55.2M | 8,400 |
| 2024Q4 | $55.3M | 8,455 |
| 2023Q4 | $57.3M | 8,700 |
Credit Union Details
- Charter Number
- 13659
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- MOBILE
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for University of South Alabama, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Mobile, AL |
| Autonomy Live Vault | Charlotte, NC |
| University Hospital | Mobile, AL |
| USA Children's & Women's Hospital | Mobile, AL |
| USA Providence Hospital | Mobile, 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.
University of South Alabama nationwide neighbourhoods
Using this data
- University of South Alabama ranks #1,210 of 4,374 nationally on financial health and #21 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Champion Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Champion Community
Frequently Asked Questions
Is University of South Alabama financially healthy?
On its 2025Q4 NCUA 5300 filing, University of South Alabama scores 89/100 (Excellent), with a 15.66% net worth ratio and 0.35% of loans delinquent. It ranks #1,210 of 4,374 nationally on health and #21 of 89 in Alabama.
How does University of South Alabama compare to other credit unions?
University of South Alabama scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.66% vs 13.62%). Its widest shortfall is loan-to-share ratio (55.02% vs 62.60%).
How can I join University of South Alabama?
University of South Alabama 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 University of South Alabama directly for the exact boundaries and application steps.
Is my money safe at University of South Alabama?
University of South Alabama 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. University of South Alabama's net worth ratio of 15.66% 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.