Lauderdale County Teachers Credit Union Florence, Alabama
Lauderdale County Teachers Credit Union is a state-chartered credit union headquartered in Florence, AL, established in 1956 (NCUA charter 61944), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,956 members and total assets of $38.5M (up 4.8% from Q2 2025), the 50th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 12.80% at Q2 2026, in the well capitalized band.
Also written as Lauderdale County Teachers CU
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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
- 61944
- Headquarters
- Florence, AL
- Established
- 1956
- Total assets, Q2 2026
- $38.5M
- Assets vs Q2 2025
- +4.8%
- Members, Q2 2026
- 1,956
- Net worth ratio, Q2 2026
- 12.80%
- Latest call report
- Q2 2026, NCUA 5300 · Lauderdale County Teachers Credit Union call report
- Asset rank in state
- 50th of 87 in Alabama
- Routing number
- 262285838
- Branches
- 2
It has 33 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.85 percentage points from 11.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.3M of $12.4M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Alabama
Frequently asked about Lauderdale County Teachers Credit Union
How big is Lauderdale County Teachers Credit Union?
At Q2 2026 it reported total assets of $38.5M and 1,956 members.
Where is Lauderdale County Teachers Credit Union headquartered?
It is headquartered in Florence, AL, United States.
When was Lauderdale County Teachers Credit Union founded?
It was established in 1956, per NCUA records.
Is Lauderdale County Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61944): 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 Lauderdale County Teachers 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 Lauderdale County Teachers Credit Union well capitalized?
Its net worth ratio was 12.80% 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 Lauderdale County Teachers Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Florence, AL 35630
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 61944
- RSSD ID
- 731395
- Members
- 1,956
- Potential members
- 4,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.80% | 14.31% | 38th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.45% | 0.72% | 79th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 11.34% | 4.74% | 86th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.40% | 3.93% | 29th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 60.32% | 79.83% | 86th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.88% | 0.78% | 45th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.28% | 4.70% | 29th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.28% | 58.92% | 19th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$38.5M total assets against $36.7M; $33.3M total shares and deposits against $32.1M; $12.4M total loans against $13.0M.
$4.9M net worth against $4.4M.
12.80% net worth ratio against 11.95%.
37.28% loan-to-share ratio against 40.64%.
1.45% return on assets against 1.35%; 11.34% return on equity against 11.29%.
3.40% net interest margin against 3.20%.
1,956 members against 1,989.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.80% | 1.45% | — | 37.28% |
| March 31, 2026 | 12.45% | 1.69% | 0.02% | 37.88% |
| December 31, 2025 | 12.30% | 1.41% | 0.02% | 38.92% |
| September 30, 2025 | 12.10% | 1.40% | — | 39.19% |
| June 30, 2025 | 11.95% | 1.35% | — | 40.64% |
| March 31, 2025 | 11.66% | 0.99% | — | 39.59% |
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.