Alabama One Credit Union Tuscaloosa, Alabama
Alabama One Credit Union is a state-chartered credit union headquartered in Tuscaloosa, AL, established in 1951 (NCUA charter 68595), and it is regulated and insured by the NCUA. At Q2 2026 it reported 96,594 members and total assets of $1.52B (up 5.6% from Q2 2025), the 7th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 9.08% at Q2 2026, in the well capitalized band.
Also written as Alabama One CU · Trade names filed with the NCUA: Alabama One Wealth Advisory, Alabama ONE Insurance Services and Alabama Rural Electric Credit Union, a division of Alabama ONE
BankRegReports is independent of Alabama One Credit Union and never asks for online banking logins or passwords.
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
- 68595
- Headquarters
- Tuscaloosa, AL
- Established
- 1951
- Total assets, Q2 2026
- $1.52B
- Assets vs Q2 2025
- +5.6%
- Members, Q2 2026
- 96,594
- Net worth ratio, Q2 2026
- 9.08%
- Latest call report
- Q2 2026, NCUA 5300 · Alabama One Credit Union call report
- Asset rank in state
- 7th of 87 in Alabama
- Routing number
- 262277189
- Branches
- 32
It has 861 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.17 percentage points from 8.91% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $409.5M of $1.12B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.85% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.08% net worth ratio is below that band's 10.89% median.
Credit unions merged into Alabama One Credit Union
McIntosh Chemical Federal Credit Union (2023) · Brewton Mill Federal Credit Union (2023) · Alabama Rural Electric Credit Union (2020)
Frequently asked about Alabama One Credit Union
How big is Alabama One Credit Union?
At Q2 2026 it reported total assets of $1.52B and 96,594 members.
Where is Alabama One Credit Union headquartered?
It is headquartered in Tuscaloosa, AL, United States.
When was Alabama One Credit Union founded?
It was established in 1951, per NCUA records.
Is Alabama One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68595): 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 One 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 One Credit Union well capitalized?
Its net worth ratio was 9.08% 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 One Credit Union's delinquency ratio?
Its delinquency ratio was 0.85% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Alabama One Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.23% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tuscaloosa, AL 35404
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 68595
- RSSD ID
- 561387
- Members
- 96,594
- Potential members
- 3,100,000
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 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.08% | 10.89% | 12th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.64% | 0.89% | 29th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.00% | 8.07% | 40th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.95% | 3.45% | 22nd bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 80.89% | 70.59% | 15th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.96% | 1.68% | 28th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.85% | 0.68% | 38th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.91% | 5.12% | 37th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 82.23% | 88.03% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.52B total assets against $1.44B; $1.36B total shares and deposits against $1.29B; $1.12B total loans against $989.1M.
$138.1M net worth against $128.5M.
9.08% net worth ratio against 8.91%.
82.23% loan-to-share ratio against 76.54%.
0.85% delinquency ratio against 0.81%.
0.64% return on assets against 0.33%; 7.00% return on equity against 3.71%.
2.95% net interest margin against 2.52%.
96,594 members against 95,733.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.08% | 0.64% | 0.85% | 82.23% |
| March 31, 2026 | 8.99% | 0.54% | 0.68% | 79.45% |
| December 31, 2025 | 8.82% | 0.51% | 0.92% | 79.69% |
| September 30, 2025 | 8.93% | 0.43% | 0.83% | 77.91% |
| June 30, 2025 | 8.91% | 0.33% | 0.81% | 76.54% |
| March 31, 2025 | 9.12% | 0.24% | 0.69% | 76.55% |
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.