Credit Union Safety Analysis
Is Alabama One Credit Union Safe? Tuscaloosa, Alabama
Based on its Q2 2026 NCUA 5300 call report, Alabama One Credit Union has a net worth ratio of 9.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.85%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Alabama One Credit Union's net worth ratio is 9.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.85%
- Return on assets (Q2 2026): 0.64%
- Loan-to-share ratio (Q2 2026): 82.23%
Alabama One Credit Union (NCUA charter 68595, established 1951) reported $1.52B in assets and 96,594 members for Q2 2026 from Tuscaloosa, Alabama. It ranks 7 of 87 credit unions in Alabama by total assets. Total assets grew 5.6% from $1.44B on June 30, 2025. 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.
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: 8.99% for Q1 2026; 8.91% 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: 0.68% for Q1 2026; 0.81% 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: 0.54% for Q1 2026; 0.33% 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: 79.45% for Q1 2026; 76.54% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $409.5M
- Commercial loans: $400.8M
- Used vehicle loans: $172.1M
- Other secured non-real estate loans and lines of credit: $59.2M
- New vehicle loans: $43.9M
- Unsecured credit card loans: $17.4M
- Other unsecured loans and lines of credit: $17.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.52B | 9.08% | 0.85% | 0.64% | 82.23% |
| March 31, 2026 | $1.51B | 8.99% | 0.68% | 0.54% | 79.45% |
| December 31, 2025 | $1.48B | 8.82% | 0.92% | 0.51% | 79.69% |
| September 30, 2025 | $1.45B | 8.93% | 0.83% | 0.43% | 77.91% |
| June 30, 2025 | $1.44B | 8.91% | 0.81% | 0.33% | 76.54% |
| March 31, 2025 | $1.39B | 9.12% | 0.69% | 0.24% | 76.55% |
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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.
Alabama One Credit Union profile
Regulator records: NCUA credit union profile (charter 68595) · FFIEC NIC profile (RSSD 561387)
Frequently asked questions
Is Alabama One Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alabama One Credit Union's net worth ratio is 9.08%, above the 7% NCUA threshold for well capitalized.
Is Alabama One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alabama One Credit Union is a federally insured credit union (NCUA charter 68595): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alabama One Credit Union's key safety ratios?
For Q2 2026, Alabama One Credit Union reports net worth 9.08%, delinquency 0.85%, ROA 0.64%, loan-to-share 82.23%.
What happens to my money if Alabama One Credit Union fails?
For Q2 2026, Alabama One Credit Union held $1.36B in shares and deposits for 96,594 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.