Credit Union Safety Analysis
Is Alabama State Employees Credit Union Safe? Montgomery, Alabama
Based on its Q2 2026 NCUA 5300 call report, Alabama State Employees Credit Union has a net worth ratio of 12.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, 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 State Employees Credit Union's net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 1.16%
- Loan-to-share ratio (Q2 2026): 57.22%
Alabama State Employees Credit Union (NCUA charter 64598, established 1954) reported $471.2M in assets and 39,354 members for Q2 2026 from Montgomery, Alabama. It ranks 17 of 87 credit unions in Alabama by total assets. Total assets grew 12.0% from $420.9M on June 30, 2025. It has 696 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was down 0.20 percentage points from 12.21% on June 30, 2025. Used vehicle loans are its largest loan category, $122.7M of $238.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.83% for Q1 2026; 12.21% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.29% for Q1 2026; 0.24% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.72% for Q1 2026; 1.09% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 59.26% for Q1 2026; 68.98% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $122.7M
- 1- to 4-family residential and other consumer real estate loans: $46.2M
- New vehicle loans: $20.7M
- Other unsecured loans and lines of credit: $18.5M
- Other secured non-real estate loans and lines of credit: $12.6M
- Unsecured credit card loans: $9.2M
- Commercial loans: $8.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $471.2M | 12.01% | 0.31% | 1.16% | 57.22% |
| March 31, 2026 | $460.9M | 11.83% | 0.29% | 0.72% | 59.26% |
| December 31, 2025 | $442.2M | 12.15% | 0.44% | 1.03% | 63.89% |
| September 30, 2025 | $426.3M | 12.36% | 0.29% | 1.25% | 67.26% |
| June 30, 2025 | $420.9M | 12.21% | 0.24% | 1.09% | 68.98% |
| March 31, 2025 | $421.0M | 11.93% | 0.31% | 0.95% | 70.93% |
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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 State Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 64598) · FFIEC NIC profile (RSSD 784494)
Frequently asked questions
Is Alabama State Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alabama State Employees Credit Union's net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
Is Alabama State Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alabama State Employees Credit Union is a federally insured credit union (NCUA charter 64598): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alabama State Employees Credit Union's key safety ratios?
For Q2 2026, Alabama State Employees Credit Union reports net worth 12.01%, delinquency 0.31%, ROA 1.16%, loan-to-share 57.22%.
What happens to my money if Alabama State Employees Credit Union fails?
For Q2 2026, Alabama State Employees Credit Union held $416.6M in shares and deposits for 39,354 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.