State overview · Q4 2025

Alabama Credit Unions

All 89 federally-insured credit unions in Alabama, ranked by financial health, from NCUA 5300 Call Reports.

89
Credit unions
2.5M
Members
$39.4B
Combined assets
80/100
Avg health
89 CUs · avg health 80/100

Alabama has 89 federally insured credit unions averaging 80/100 health on NCUA 5300 Call Report aggregates. Combined assets $39.4B; 58 score Excellent (80+). State leader: FIREMAN'S at 100/100.

  • Mean delinquency rank #46 of 52 (lower DQ better)
  • Mean ROA rank #31 of 52
  • Data vintage 2026-09-06

Alabama vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

89 16th of 54 higher than 37 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Alabama's 89 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)58 CUsGood (60–79)24 CUsFair (40–59)6 CUsWeak (<40)1 CUs

Alabama Call Report component averages

Mean NCUA 5300 ratios across 89 federally insured credit unions in Alabama, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.74%
National rank #46 of 52 · lower DQ better
Mean ROA
0.54%
National rank #31 of 52
Mean loan-to-share
60.7%
Mean net worth 16.3% · well-capitalized (≥7%) 95.5%
Largest CU share of state assets
21.4%
Dispersed book, largest charter holds under 25% of combined Alabama CU assets · concentration rank #22 of 52 (lower share = more dispersed) · largest by assets on this board: REDSTONE

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Alabama is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Alabama vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Alabama highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Alabama vs. a national sample of states' credit-union sectors AK - 11.69%, 0.876%AZ - 11.51%, 0.952%CA - 12.8%, 0.731%CT - 13.48%, 1.48%DC - 14.99%, 2.364%FL - 12.31%, 0.745%HI - 13.78%, 1.224%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%AL - 16.25%, 1.743%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Alabama highlighted.

All Credit Unions in Alabama

Credit Union Health
FIREMAN'S BIRMINGHAM 100
New Horizons MOBILE 98
North Alabama Papermakers Stevenson 97
Rocket City HUNTSVILLE 97
SYCAMORE Sycamore 96
ACIPCO BIRMINGHAM 93
CHEMCO MC INTOSH 93
Coosa Pines Childersburg 93
Electrical Workers No 558 SHEFFIELD 93
Federation of Greene County Empl. Eutaw 93
NAHEOLA Pennington 93
Tuscaloosa V a Tuscaloosa 93
Andalusia Mills Employees Credit as ANDALUSIA 92
ALABAMA TUSCALOOSA 91
CITY TUSCALOOSA 91
MAX Montgomery 90
Southern Energy BIRMINGHAM 90
Tva Community Credit Union MUSCLE SHOALS 90
VALLEY TUSCUMBIA 90
America's First Birmingham 89
CHATTAHOOCHEE VALLEY 89
DEMOPOLIS Demopolis 89
Five Star Dothan 89
Mutual Savings Birmingham 89
University of South Alabama MOBILE 89
All in DALEVILLE 88
AOD Bynum 88
Family Security Decatur 88
Marvel City BESSEMER 88
Alabama One Tuscaloosa 87
Auburn University Auburn 87
Jefferson Credit Union Hoover 87
Nucor Employees FORT PAYNE 87
Wcu Credit Union Decatur 87
TVH Tuskegee 86
ALATRUST HOOVER 85
Blue Flame Mobile 85
Heritage South Sylacauga 85
Railway Employees Muscle Shoals 85
Birmingham City Birmingham 84
East Alabama Community OPELIKA 84
EMBLEM GADSDEN 84
Four Seasons OPELIKA 84
LISTERHILL Sheffield 84
WINSOUTH GADSDEN 84 †
Alabama Central Birmingham 83
ANG Birmingham 83
Family Savings Rainbow City 83
GUARDIAN Prattville 83
HEALTH Birmingham 83
Alabama State Employees Montgomery 82
AVADIAN Birmingham 82
FEDMONT Montgomery 81
Lauderdale County Teachers Florence 81
Legacy Community BIRMINGHAM 81
Mobile Educators MOBILE 81
The Infirmary Mobile 81
COUNCILL NORMAL 80
North Alabama Educators HUNTSVILLE 79
Alabama Postal Birmingham 78
Baldwin County BAY MINETTE 78
RAILROAD Irondale 78
REDSTONE HUNTSVILLE 77
ECO Birmingham 76
RIVERFALL Tuscaloosa 76
Azalea City MOBILE 75
FLORENCE Florence 75
Mobile Government Emp. Mobile 75
Northeast Alabama Postal anniston 74
The Bridgeway Phenix City 73
Chem Family Anniston 72
Fort Mcclellan Anniston 71
Red Oak Tuscaloosa 71
Champion Community Courtland 70
Covington Schools Andalusia 69
OPP-MICOLAS OPP 68
Federal Employees BIRMINGHAM 66
Mobile Postal Mobile 66
S R I Employees Birmingham 64
Social Security Birmingham 64
U S Pipe Bessemer Employees Bessemer 63
Sixth Avenue Baptist BIRMINGHAM 62
Mead Coated Board Eufaula 57
Solutions First Enterprise 53
L&n Employees Birmingham 52
Nrs Community Development BIRMINGHAM 49
TUSKEGEE TUSKEGEE 44
Montgomery Va MONTGOMERY 41
Gulf Coast MOBILE 35

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in Alabama

Alabama is home to 89 federally-insured credit unions collectively serving 2.5M members with $39.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. FIREMAN'S of BIRMINGHAM currently leads the cohort with a health score of 100/100, while the full distribution spans 89 institutions ranked below.

The health distribution breaks into four bands: 58 credit unions score 80–100 (Excellent), 24 score 60–79 (Good), 6 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Alabama's 89 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Alabama: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($39.4B here).

Maryland $39.3B Oregon $38.5B Georgia $37.1B Minnesota $43.5B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (89 here).

Missouri 89 CUs Virginia 95 CUs Wisconsin 100 CUs Washington 75 CUs

Frequently Asked Questions

How many credit unions are in Alabama?

There are 89 federally-insured credit unions in Alabama as of Q4 2025, with a combined 2.5M members and $39.4B in total assets. That places Alabama at #19 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Alabama ranks #36 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Alabama?

Based on NCUA Q4 2025 data, FIREMAN'S in BIRMINGHAM ranks highest in Alabama with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Alabama's data

  • FIREMAN'S in BIRMINGHAM is the healthiest scored credit union in Alabama at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Alabama's credit unions rank #46 of 52 nationally on delinquency rate (among the highest) and #31 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Alabama ranks #36 of 54 by average health score and #19 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.