Home › Credit Union Directory › Alabama › Performance
Alabama Credit Union Performance
How the 89 credit unions based in Alabama are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Alabama's 89 credit unions serve 2,496,980 members and hold $40.16B in combined assets. The median Alabama credit union earned a 0.65% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Alabama credit unions was -0.67%, compared with -0.55% nationally. Median one-year asset growth was 3.63%, compared with 2.78% nationally. So far this year, one Alabama credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Alabama at a glance
Alabama vs. the United States
System totals are the sum of every credit union based in Alabama. The share column is Alabama's portion of the national figure.
| Measure | Alabama | United States | Alabama share |
|---|---|---|---|
| Credit unions | 89 | 4,335 | 2.1% |
| Members | 2,496,980 | 147,031,529 | 1.7% |
| Residents (population) | 5,157,699 | 340,110,988 | 1.5% |
| Total assets | $40.16B | $2,507.50B | 1.6% |
| Total loans | $23.17B | $1,744.86B | 1.3% |
| Total shares & deposits | $35.17B | $2,143.21B | 1.6% |
| Total net worth | $5.00B | $282.23B | 1.8% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Alabama credit unions report about 48 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Alabama credit unions serve members in other states, so it overstates true in-state penetration.)
The median Alabama credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Alabama CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.65% | 0.66% |
| Net worth ratio | 14.21% | 12.44% |
| Loan-to-share ratio | 59.71% | 67.86% |
| Delinquency ratio | 0.68% | 0.63% |
| Net charge-off ratio | 0.33% | 0.33% |
| Cost of funds | 1.01% | 1.05% |
| Member growth (1 yr) | -0.67% | -0.55% |
| Asset growth (1 yr) | 3.63% | 2.78% |
| Loan growth (1 yr) | 1.23% | 0.63% |
| Share growth (1 yr) | 2.56% | 2.36% |
| Net worth growth (1 yr) | 5.21% | 5.57% |
Trends over time
The median Alabama credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.76% · 0.72%
— Alabama ‑‑ U.S.
Net worth ratio 14.13% · 12.46%
— Alabama ‑‑ U.S.
Loan-to-share ratio 60.22% · 69.70%
— Alabama ‑‑ U.S.
Delinquency ratio 0.74% · 0.72%
— Alabama ‑‑ U.S.
Asset growth (1 yr) 3.57% · 3.26%
— Alabama ‑‑ U.S.
Member growth (1 yr) -0.05% · -0.52%
— Alabama ‑‑ U.S.
Alabama leaderboards
Largest by assets
- 1 Redstone Credit Union $8.57B
- 2 Army Aviation Center Credit Union $3.72B
- 3 APCO Employees Credit Union $3.64B
- 4 America's First Credit Union $2.74B
- 5 Max Credit Union $2.35B
- 6 Alabama Credit Union $2.06B
- 7 The Credit Union of Alabama $1.51B
- 8 Listerhill Credit Union $1.46B
- 9 Avadian Credit Union $1.43B
- 10 Five Star Credit Union $1.25B
Highest return on assets
- 1 University of South Alabama Credit Union 2.21%
- 2 Acipco Credit Union 2.17%
- 3 Avondale Sycamore Credit Union 1.90%
- 4 Family Security Credit Union 1.83%
- 5 Max Credit Union 1.78%
- 6 Coosa Pines Credit Union 1.70%
- 7 Naheola Mill Employees Credit Union 1.54%
- 8 Mobile Educators Credit Union 1.38%
- 9 Rocket City Credit Union 1.32%
- 10 Royal Credit Union 1.26%
Fastest-growing (organic)
- 1 Avondale Sycamore Credit Union 17.38%
- 2 Legacy Community Federal Credit Union 12.89%
- 3 New Horizons Credit Union 11.72%
- 4 Guardian Credit Union 11.17%
- 5 Coosa Pines Credit Union 9.00%
- 6 The Credit Union of Alabama 8.27%
- 7 Naheola Mill Employees Credit Union 8.11%
- 8 Alabama Teachers Credit Union 7.90%
- 9 Avondale Sylacauga Employees Credit Union 7.32%
- 10 Family Savings Credit Union 7.26%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Alabama that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.