TellerScore

Alabama State Employees Credit Union is a federally insured state-chartered credit union headquartered in Montgomery, Alabama, in business for about 72 years. At the end of Q2 2026 it reported $471.2M in total assets and $416.6M in member shares and deposits, with 8 offices.

Based on its Q2 2026 filing, Alabama State Employees Credit Union scores 80/100, which we describe as strong. That is higher than 78% of 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 34th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 3% uninsured), and its lowest is earnings (57/100; 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.01%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity100/100
Loans ÷ shares: 57.2% · 3.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.31%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202474
Q4 202472
Q1 202578
Q2 202580
Q3 202581
Q4 202579
Q1 202677
Q2 202680
Net worth ratio
7.00%9.68%12.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.26%
Q3 202412.34%
Q4 202412.03%
Q1 202511.93%
Q2 202512.21%
Q3 202512.36%
Q4 202512.15%
Q1 202611.83%
Q2 202612.01%
Delinquent loans (60+ days)
0.24%0.36%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.41%
Q4 20240.49%
Q1 20250.31%
Q2 20250.24%
Q3 20250.29%
Q4 20250.44%
Q1 20260.29%
Q2 20260.31%
Return on assets
0.43%0.76%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.66%
Q4 20240.43%
Q1 20250.95%
Q2 20251.02%
Q3 20251.09%
Q4 20251.05%
Q1 20260.72%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$471.2M12.01%0.31%0.93%57.2%
Q1 202677$460.9M11.83%0.29%0.72%59.3%
Q4 202579$442.2M12.15%0.44%1.05%63.9%
Q3 202581$426.3M12.36%0.29%1.09%67.3%
Q2 202580$420.9M12.21%0.24%1.02%69.0%
Q1 202578$421.0M11.93%0.31%0.95%70.9%
Q4 202472$409.2M12.03%0.49%0.43%75.3%
Q3 202474$401.9M12.34%0.41%0.66%78.4%
Q2 202476$398.8M12.26%0.28%0.65%78.9%

1,341 peers · $100 million – $1 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 ratio12.01%
58th
Problem loans0.31%
81st
Net charge-offs0.56%
30th
Return on assets0.93%
62nd
Loans to deposits57.2%
81st
Uninsured deposits3.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
85th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Aod Federal Credit UnionCredit union Bynum, AL89 out of 100, Very strong$466.7M16.4%0.53%vs
Winsouth Credit UnionCredit union Gadsden, AL68 out of 100, Moderate$479.4M10.4%0.65%vs
TVA Community Credit UnionCredit union Muscle Shoals, AL90 out of 100, Very strong$429.0M18.4%0.32%vs
Coosa Pines Federal Credit UnionCredit union Childersburg, AL88 out of 100, Very strong$420.8M16.2%0.87%vs
Emblem Credit UnionCredit union Gadsden, AL72 out of 100, Strong$627.6M11.3%0.63%vs
New Horizons Credit UnionCredit union Mobile, AL71 out of 100, Strong$304.1M10.8%0.37%vs

Deposit insurance

Is my money safe at Alabama State Employees Credit Union?

Yes. Alabama State Employees Credit Union is a federally insured credit union (NCUA charter #64598). 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 3.4% of shares and deposits ($14.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Alabama State Employees Credit Union lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alabama State Employees Credit Union reported 115 home-loan applications under HMDA (LEI 549300IL6X4MHW0HHI39): 114 originated ($10,240,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Credit Card Agreement 11-2024—$0$251.0%

All Alabama State Employees Credit Union card terms

Identity & history

Profile

Legal name
Alabama State Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64598
RSSD ID
784494
Primary regulator
State + NCUA
Established
1954
Headquarters
4217 Lomac St, Montgomery, AL 36106
Employees
127

Quick answers

Alabama State Employees Credit Union: common questions

Is Alabama State Employees Credit Union NCUA insured?

Yes. Alabama State Employees Credit Union is a federally insured credit union (NCUA charter #64598). 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 State Employees Credit Union's TellerScore?

80 out of 100 (Strong), 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 State Employees Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Montgomery

InstitutionScoreAssetsCapitalProblem loansCompare
Max Credit UnionCredit union Montgomery, AL89 out of 100, Very strong$2.4B14.5%0.68%vs
First Citizens BankBank Luverne, AL87 out of 100, Very strong$402.6M14.3%0.76%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Fedmont Federal Credit UnionCredit union Montgomery, AL75 out of 100, Strong$13.0M13.4%0.52%vs
First Community Bank of Central AlabamaBank Wetumpka, AL74 out of 100, Strong$694.3M8.6%0.10%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs