Andalusia Mills Employees Credit As Federal Credit Union is a federal credit union headquartered in Andalusia, Alabama, in business for about 43 years. At the end of Q2 2026 it reported $3.2M in total assets and $2.5M in member shares and deposits, with 3 offices.
Andalusia Mills Employees Credit As Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 20th. Capital cushion contributes the most (100/100, 20.50%); earnings contributes the least (52/100, 0.80%).
TellerScore · Q2 2026
Scorecard
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 (85 → 87), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 78 |
| Q4 2024 | 81 |
| Q1 2025 | 81 |
| Q2 2025 | 85 |
| Q3 2025 | 80 |
| Q4 2025 | 88 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.13% |
| Q3 2024 | 19.72% |
| Q4 2024 | 22.90% |
| Q1 2025 | 21.53% |
| Q2 2025 | 20.49% |
| Q3 2025 | 20.04% |
| Q4 2025 | 21.36% |
| Q1 2026 | 20.65% |
| Q2 2026 | 20.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.41% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.28% |
| Q3 2024 | -0.03% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $3.2M | 20.50% | 0.35% | 0.80% | 33.4% |
| Q1 2026 | 87 | $3.2M | 20.65% | 0.45% | 0.86% | 35.3% |
| Q4 2025 | 88 | $3.0M | 21.36% | 0.20% | 0.72% | 38.5% |
| Q3 2025 | 80 | $3.2M | 20.04% | 1.15% | 0.79% | 32.9% |
| Q2 2025 | 85 | $3.1M | 20.49% | 0.41% | 0.55% | 38.0% |
| Q1 2025 | 81 | $2.9M | 21.53% | 0.83% | 0.52% | 38.4% |
| Q4 2024 | 81 | $2.7M | 22.90% | 0.69% | 0.39% | 46.3% |
| Q3 2024 | 78 | $3.1M | 19.72% | 0.69% | -0.03% | 38.9% |
| Q2 2024 | 70 | $3.0M | 20.13% | 1.34% | -0.28% | 40.4% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Demopolis Federal Credit UnionCredit union Demopolis, AL | 92 out of 100, Very strong | $3.3M | 54.9% | 0.54% | vs |
| U S Pipe Bessemer Employees Federal Credit UnionCredit union Bessemer, AL | 64 out of 100, Moderate | $3.1M | 23.0% | 8.36% | vs |
| Councill Federal Credit UnionCredit union Normal, AL | 79 out of 100, Strong | $2.8M | 15.7% | 2.43% | vs |
| S R I Employees Federal Credit UnionCredit union Birmingham, AL | 85 out of 100, Very strong | $3.7M | 38.1% | 0.00% | vs |
| Chem Family Credit UnionCredit union Anniston, AL | 88 out of 100, Very strong | $4.1M | 28.1% | 0.00% | vs |
| Nucor Employees Federal Credit UnionCredit union Fort Payne, AL | 86 out of 100, Very strong | $2.2M | 30.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Andalusia Mills Employees Credit As Federal Credit Union?
Yes. Andalusia Mills Employees Credit As Federal Credit Union is a federally insured credit union (NCUA charter #23990). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Andalusia Mills Employees Credit As Federal Credit Union lists 3 offices in 1 city. Most locations:
- Andalusia, AL (3)
Identity & history
Profile
- Legal name
- Andalusia Mills Employees Credit As Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23990
- RSSD ID
- 874993
- Primary regulator
- NCUA
- Established
- 1983
- Headquarters
- 200 Waits Dr, Andalusia, AL 36421
- Employees
- 2
Quick answers
Andalusia Mills Employees Credit As Federal Credit Union: common questions
Is Andalusia Mills Employees Credit As Federal Credit Union NCUA insured?
Yes. Andalusia Mills Employees Credit As Federal Credit Union is a federally insured credit union (NCUA charter #23990). 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 Andalusia Mills Employees Credit As Federal Credit Union's TellerScore?
87 out of 100 (Very 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 Andalusia Mills Employees Credit As Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Andalusia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southern Independent BankBank Opp, AL | 87 out of 100, Very strong | $395.3M | 13.6% | 0.08% | vs |
| CCB Community BankBank Andalusia, AL | 79 out of 100, Strong | $661.9M | 10.5% | 0.19% | vs |
| Dozier BankBank Dozier, AL | 73 out of 100, Strong | $54.8M | 26.8% | 1.84% | vs |
| Opp-Micolas Credit UnionCredit union Opp, AL | 67 out of 100, Moderate | $10.4M | 25.2% | 1.46% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Woodforest National BankBank The Woodlands, TX | 60 out of 100, Moderate | $9.0B | 9.3% | 1.93% | vs |