Credit Union Safety Analysis
Is Alabama Credit Union Safe? Tuscaloosa, Alabama
Based on its Q2 2026 NCUA 5300 call report, Alabama Credit Union has a net worth ratio of 9.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Alabama Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Alabama Credit Union's net worth ratio is 9.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.91%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 0.07%
- Loan-to-share ratio (Q2 2026): 85.33%
Alabama Credit Union (NCUA charter 60823, established 1956) reported $2.08B in assets and 152,571 members for Q2 2026 from Tuscaloosa, Alabama. It ranks 6 of 87 credit unions in Alabama by total assets. Total assets grew 2.4% from $2.03B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.97% for Q1 2026; 9.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.79% for Q1 2026; 0.83% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.68% for Q1 2026; 1.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 86.02% for Q1 2026; 95.20% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $530.2M
- Commercial loans: $412.8M
- 1- to 4-family residential and other consumer real estate loans: $279.6M
- Used vehicle loans: $178.2M
- Other unsecured loans and lines of credit: $67.6M
- New vehicle loans: $52.8M
- Unsecured credit card loans: $15.7M
- Non-federally guaranteed student loans: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.08B | 9.91% | 0.80% | 0.07% | 85.33% |
| March 31, 2026 | $2.06B | 9.97% | 0.79% | 0.68% | 86.02% |
| December 31, 2025 | $2.05B | 9.83% | 0.91% | 0.39% | 90.15% |
| September 30, 2025 | $2.06B | 9.71% | 0.77% | 0.47% | 90.65% |
| June 30, 2025 | $2.03B | 9.66% | 0.83% | 1.17% | 95.20% |
| March 31, 2025 | $1.98B | 9.61% | 1.04% | 0.54% | 89.86% |
Add this badge to your website
Free to use. It shows Alabama Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60823) · FFIEC NIC profile (RSSD 253392)
Frequently asked questions
Is Alabama Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alabama Credit Union's net worth ratio is 9.91%, above the 7% NCUA threshold for well capitalized.
Is Alabama Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alabama Credit Union is a federally insured credit union (NCUA charter 60823): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alabama Credit Union's key safety ratios?
For Q2 2026, Alabama Credit Union reports net worth 9.91%, delinquency 0.80%, ROA 0.07%, loan-to-share 85.33%.
What happens to my money if Alabama Credit Union fails?
For Q2 2026, Alabama Credit Union held $1.80B in shares and deposits for 152,571 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.