TellerScore

Headquartered in Tuscaloosa, Alabama, Alabama One Credit Union is a federally insured state-chartered credit union with $1.5B in total assets and $1.4B in member shares and deposits as of Q2 2026. It operates 30 offices. Its charter dates back to 1951.

Alabama One Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 75th. Problem-loan coverage contributes the most (85/100, 7.3%); capital cushion contributes the least (41/100, 9.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.08%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity78/100
Loans ÷ shares: 82.2% · 11.9% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (57 → 59), mostly because the earnings component improved by 13 points.

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202460
Q4 202456
Q1 202559
Q2 202557
Q3 202557
Q4 202556
Q1 202661
Q2 202659
Net worth ratio
7.00%8.30%9.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.25%
Q3 20249.60%
Q4 20249.50%
Q1 20259.12%
Q2 20258.91%
Q3 20258.93%
Q4 20258.82%
Q1 20268.99%
Q2 20269.08%
Delinquent loans (60+ days)
0.68%0.92%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.87%
Q3 20240.79%
Q4 20241.15%
Q1 20250.69%
Q2 20250.81%
Q3 20250.83%
Q4 20250.92%
Q1 20260.68%
Q2 20260.85%
Return on assets
0.24%0.42%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.36%
Q4 20240.31%
Q1 20250.24%
Q2 20250.28%
Q3 20250.33%
Q4 20250.37%
Q1 20260.54%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.5B9.08%0.85%0.59%82.2%
Q1 202661$1.5B8.99%0.68%0.54%79.4%
Q4 202556$1.5B8.82%0.92%0.37%79.7%
Q3 202557$1.5B8.93%0.83%0.33%77.9%
Q2 202557$1.4B8.91%0.81%0.28%76.5%
Q1 202559$1.4B9.12%0.69%0.24%76.5%
Q4 202456$1.3B9.50%1.15%0.31%79.4%
Q3 202460$1.3B9.60%0.79%0.36%80.6%
Q2 202456$1.2B8.25%0.87%0.54%80.9%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.08%
11th
Problem loans0.85%
36th
Net charge-offs0.20%
85th
Return on assets0.59%
29th
Loans to deposits82.2%
66th
Uninsured deposits11.9%
29th
Loan-loss reserves0.00%
50th
Texas ratio7.3%
26th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Listerhill Credit UnionCredit union Sheffield, AL69 out of 100, Moderate$1.5B11.1%0.62%vs
Avadian Credit UnionCredit union Birmingham, AL69 out of 100, Moderate$1.4B10.3%0.46%vs
Guardian Credit UnionCredit union Prattville, AL57 out of 100, Moderate$1.3B9.5%1.45%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Family Savings Credit UnionCredit union Rainbow City, AL55 out of 100, Moderate$1.2B8.9%1.03%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs

Deposit insurance

Is my money safe at Alabama One Credit Union?

Yes. Alabama One Credit Union is a federally insured credit union (NCUA charter #68595). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.9% of shares and deposits ($161.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.08%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

30 locations

Branches

Alabama One Credit Union lists 30 offices in 22 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Alabama One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68595
RSSD ID
561387
Primary regulator
State + NCUA
Established
1951
Headquarters
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Employees
346

Quick answers

Alabama One Credit Union: common questions

Is Alabama One Credit Union NCUA insured?

Yes. Alabama One Credit Union is a federally insured credit union (NCUA charter #68595). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Alabama One Credit Union's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Alabama One Credit Union have?

30 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tuscaloosa

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
City Credit UnionCredit union Tuscaloosa, AL86 out of 100, Very strong$21.3M24.0%0.79%vs
Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL84 out of 100, Strong$51.9M13.1%0.24%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Robertson Banking CompanyBank Demopolis, AL83 out of 100, Strong$462.7M11.3%0.13%vs