Credit Union Safety Analysis
Is All in Federal Credit Union Safe? Daleville, Alabama
Based on its Q2 2026 NCUA 5300 call report, All in Federal Credit Union has a net worth ratio of 10.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.76%, 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, All in Federal Credit Union's net worth ratio is 10.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.09%
- Delinquency ratio (60+ days) (Q2 2026): 1.76%
- Return on assets (Q2 2026): 1.24%
- Loan-to-share ratio (Q2 2026): 88.02%
All in Federal Credit Union (NCUA charter 17642, established 1966) reported $3.73B in assets and 214,129 members for Q2 2026 from Daleville, Alabama. It ranks 2 of 87 credit unions in Alabama by total assets. Total assets grew 4.5% from $3.57B on June 30, 2025. It has 10,173 more members than on June 30, 2025 (+5.0%). Its net worth ratio was up 0.57 percentage points from 9.52% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $994.2M of $2.87B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.76% 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: 9.83% for Q1 2026; 9.52% 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: 1.71% for Q1 2026; 1.24% 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: 1.08% for Q1 2026; 0.90% 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: 87.13% for Q1 2026; 86.53% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $994.2M
- 1- to 4-family residential and other consumer real estate loans: $939.3M
- Used vehicle loans: $464.4M
- Other unsecured loans and lines of credit: $178.6M
- Commercial loans: $160.9M
- Unsecured credit card loans: $79.1M
- New vehicle loans: $56.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.73B | 10.09% | 1.76% | 1.24% | 88.02% |
| March 31, 2026 | $3.72B | 9.83% | 1.71% | 1.08% | 87.13% |
| December 31, 2025 | $3.65B | 9.74% | 1.87% | 0.97% | 87.12% |
| September 30, 2025 | $3.59B | 9.65% | 1.45% | 1.23% | 87.09% |
| June 30, 2025 | $3.57B | 9.52% | 1.24% | 0.90% | 86.53% |
| March 31, 2025 | $3.49B | 9.52% | 1.25% | 0.96% | 84.46% |
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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.
All in Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17642) · FFIEC NIC profile (RSSD 35785)
Frequently asked questions
Is All in Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, All in Federal Credit Union's net worth ratio is 10.09%, above the 7% NCUA threshold for well capitalized.
Is All in Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. All in Federal Credit Union is a federally insured credit union (NCUA charter 17642): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are All in Federal Credit Union's key safety ratios?
For Q2 2026, All in Federal Credit Union reports net worth 10.09%, delinquency 1.76%, ROA 1.24%, loan-to-share 88.02%.
What happens to my money if All in Federal Credit Union fails?
For Q2 2026, All in Federal Credit Union held $3.26B in shares and deposits for 214,129 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.