Alabama Credit Union Tuscaloosa, Alabama
Alabama Credit Union is a state-chartered credit union headquartered in Tuscaloosa, AL, established in 1956 (NCUA charter 60823), and it is regulated and insured by the NCUA. At Q2 2026 it reported 152,571 members and total assets of $2.08B (up 2.4% from Q2 2025), the 6th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 9.91% at Q2 2026, in the well capitalized band.
Also written as Alabama CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60823
- Headquarters
- Tuscaloosa, AL
- Established
- 1956
- Total assets, Q2 2026
- $2.08B
- Assets vs Q2 2025
- +2.4%
- Members, Q2 2026
- 152,571
- Net worth ratio, Q2 2026
- 9.91%
- Latest call report
- Q2 2026, NCUA 5300 · Alabama Credit Union call report
- Asset rank in state
- 6th of 87 in Alabama
- Routing number
- 262277419
- Branches
- 39
It has 4,517 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was up 0.25 percentage points from 9.66% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $530.2M of $1.54B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.91% net worth ratio is below that band's 10.89% median.
Credit unions merged into Alabama Credit Union
Alabama River Credit Union (2025) · Tuscaloosa County Credit Union (2024) · Tuscaloosa Credit Union (2018) · Shoreline Credit Union (2014) · River City United Credit Union (2014)
Frequently asked about Alabama Credit Union
How big is Alabama Credit Union?
At Q2 2026 it reported total assets of $2.08B and 152,571 members.
Where is Alabama Credit Union headquartered?
It is headquartered in Tuscaloosa, AL, United States.
When was Alabama Credit Union founded?
It was established in 1956, per NCUA records.
Is Alabama Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60823): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Alabama Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Alabama Credit Union well capitalized?
Its net worth ratio was 9.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Alabama Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Alabama Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tuscaloosa, AL 35401
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 60823
- RSSD ID
- 253392
- Members
- 152,571
- Potential members
- 1,300,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.91% | 10.89% | 27th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.07% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 0.68% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.67% | 3.45% | 13th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.93% | 70.59% | 23rd bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.07% | 1.68% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.80% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.74% | 5.12% | 27th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 85.33% | 88.03% | 43rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.08B total assets against $2.03B; $1.80B total shares and deposits against $1.73B; $1.54B total loans against $1.65B.
$205.8M net worth against $195.8M.
9.91% net worth ratio against 9.66%.
85.33% loan-to-share ratio against 95.20%.
0.80% delinquency ratio against 0.83%.
0.07% return on assets against 1.17%; 0.68% return on equity against 12.12%.
2.67% net interest margin against 2.57%.
152,571 members against 157,088.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.91% | 0.07% | 0.80% | 85.33% |
| March 31, 2026 | 9.97% | 0.68% | 0.79% | 86.02% |
| December 31, 2025 | 9.83% | 0.39% | 0.91% | 90.15% |
| September 30, 2025 | 9.71% | 0.47% | 0.77% | 90.65% |
| June 30, 2025 | 9.66% | 1.17% | 0.83% | 95.20% |
| March 31, 2025 | 9.61% | 0.54% | 1.04% | 89.86% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.