TellerScore

Auburn University Credit Union (NCUA charter #68701) is based in Auburn, Alabama. Its Q2 2026 call report shows $267.9M in total assets and $241.5M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Auburn University Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 63rd. Its strongest component is funding & liquidity (94/100; 66% loans-to-deposits, 7% uninsured), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.77%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity94/100
Loans ÷ shares: 66.3% · 6.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.60%

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 (66 → 67).

TellerScore
586367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202461
Q4 202461
Q1 202564
Q2 202566
Q3 202564
Q4 202562
Q1 202666
Q2 202667
Net worth ratio
7.00%8.53%10.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.73%
Q3 20249.99%
Q4 202410.05%
Q1 20259.75%
Q2 20259.88%
Q3 20259.73%
Q4 20259.69%
Q1 20269.57%
Q2 20269.77%
Delinquent loans (60+ days)
0.59%0.91%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20241.04%
Q4 20241.13%
Q1 20250.65%
Q2 20250.71%
Q3 20250.82%
Q4 20250.98%
Q1 20260.59%
Q2 20260.59%
Return on assets
0.20%0.40%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.27%
Q4 20240.36%
Q1 20250.25%
Q2 20250.51%
Q3 20250.46%
Q4 20250.44%
Q1 20260.55%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$267.9M9.77%0.59%0.59%66.3%
Q1 202666$269.1M9.57%0.59%0.55%61.5%
Q4 202562$262.0M9.69%0.98%0.44%59.7%
Q3 202564$259.6M9.73%0.82%0.46%57.7%
Q2 202566$253.2M9.88%0.71%0.51%56.2%
Q1 202564$251.6M9.75%0.65%0.25%54.7%
Q4 202461$242.6M10.05%1.13%0.36%55.8%
Q3 202461$241.4M9.99%1.04%0.27%55.6%
Q2 202458$245.4M9.73%1.23%0.20%51.5%

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 ratio9.77%
24th
Problem loans0.59%
57th
Net charge-offs0.37%
49th
Return on assets0.59%
38th
Loans to deposits66.3%
68th
Uninsured deposits6.9%
40th
Loan-loss reserves0.00%
50th
Texas ratio3.6%
55th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Mutual Savings Credit UnionCredit union Birmingham, AL65 out of 100, Moderate$242.8M9.1%0.19%vs
New Horizons Credit UnionCredit union Mobile, AL71 out of 100, Strong$304.1M10.8%0.37%vs
Fort McClellan Credit UnionCredit union Anniston, AL68 out of 100, Moderate$224.1M12.7%1.17%vs
Alatrust Credit UnionCredit union Hoover, AL75 out of 100, Strong$224.0M14.0%1.72%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Naheola Credit UnionCredit union Pennington, AL74 out of 100, Strong$219.6M18.0%1.97%vs

Deposit insurance

Is my money safe at Auburn University Credit Union?

Yes. Auburn University Credit Union is a federally insured credit union (NCUA charter #68701). 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 6.9% of shares and deposits ($16.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.77%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Auburn University Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Auburn University Credit Union reported 94 home-loan applications under HMDA (LEI 549300GMZQGVLZ5KCW51): 71 originated ($13,185,000 total), 12 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.5%, 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.

Identity & history

Profile

Legal name
Auburn University Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68701
RSSD ID
440183
Primary regulator
State + NCUA
Established
1960
Headquarters
PO Box 1610, Auburn, AL 36831
Employees
49

Quick answers

Auburn University Credit Union: common questions

Is Auburn University Credit Union NCUA insured?

Yes. Auburn University Credit Union is a federally insured credit union (NCUA charter #68701). 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 Auburn University Credit Union's TellerScore?

67 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 Auburn University Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Auburn

InstitutionScoreAssetsCapitalProblem loansCompare
Chattahoochee Federal Credit UnionCredit union Valley, AL87 out of 100, Very strong$23.4M15.0%0.51%vs
East Alabama Community Federal Credit UnionCredit union Opelika, AL84 out of 100, Strong$20.8M14.2%0.00%vs
Tvh Federal Credit UnionCredit union Tuskegee, AL76 out of 100, Strong$5.1M23.4%0.41%vs
AuburnBankBank Auburn, AL74 out of 100, Strong$1.1B10.7%0.01%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