Credit Union Safety Analysis
Is Andalusia Mills Employees Credit Association Federal Credit Union Safe? Andalusia, Alabama
Based on its Q2 2026 NCUA 5300 call report, Andalusia Mills Employees Credit Association Federal Credit Union has a net worth ratio of 20.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.35%, 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, Andalusia Mills Employees Credit Association Federal Credit Union's net worth ratio is 20.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.50%
- Delinquency ratio (60+ days) (Q2 2026): 0.35%
- Return on assets (Q2 2026): 0.76%
- Loan-to-share ratio (Q2 2026): 33.38%
Andalusia Mills Employees Credit Association Federal Credit Union (NCUA charter 23990, established 1983) reported $3.2M in assets and 884 members for Q2 2026 from Andalusia, Alabama. It ranks 81 of 87 credit unions in Alabama by total assets. Total assets grew 3.5% from $3.1M on June 30, 2025. It has 31 more members than on June 30, 2025 (+3.6%). Its net worth ratio was up 0.01 percentage points from 20.49% on June 30, 2025. New vehicle loans are its largest loan category, $407K of $849K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 20.65% for Q1 2026; 20.49% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.45% for Q1 2026; 0.41% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.86% for Q1 2026; 0.61% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 35.27% for Q1 2026; 37.97% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $407K
- Other unsecured loans and lines of credit: $188K
- Other secured non-real estate loans and lines of credit: $129K
- Used vehicle loans: $98K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.2M | 20.50% | 0.35% | 0.76% | 33.38% |
| March 31, 2026 | $3.2M | 20.65% | 0.45% | 0.86% | 35.27% |
| December 31, 2025 | $3.0M | 21.36% | 0.20% | 0.36% | 38.47% |
| September 30, 2025 | $3.2M | 20.04% | 1.15% | 1.29% | 32.93% |
| June 30, 2025 | $3.1M | 20.49% | 0.41% | 0.61% | 37.97% |
| March 31, 2025 | $2.9M | 21.53% | 0.83% | 0.52% | 38.43% |
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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.
Andalusia Mills Employees Credit Association Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23990) · FFIEC NIC profile (RSSD 874993)
Frequently asked questions
Is Andalusia Mills Employees Credit Association Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Andalusia Mills Employees Credit Association Federal Credit Union's net worth ratio is 20.50%, above the 7% NCUA threshold for well capitalized.
Is Andalusia Mills Employees Credit Association Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Andalusia Mills Employees Credit Association Federal Credit Union is a federally insured credit union (NCUA charter 23990): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Andalusia Mills Employees Credit Association Federal Credit Union's key safety ratios?
For Q2 2026, Andalusia Mills Employees Credit Association Federal Credit Union reports net worth 20.50%, delinquency 0.35%, ROA 0.76%, loan-to-share 33.38%.
What happens to my money if Andalusia Mills Employees Credit Association Federal Credit Union fails?
For Q2 2026, Andalusia Mills Employees Credit Association Federal Credit Union held $2.5M in shares and deposits for 884 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.