Azalea City Credit Union is a federally insured state-chartered credit union headquartered in Mobile, Alabama, in business for about 72 years. At the end of Q2 2026 it reported $47.2M in total assets and $39.8M in member shares and deposits, with 5 offices.
Based on its Q2 2026 filing, Azalea City Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 38th. Its strongest component is capital cushion (100/100; 15.21%), and its lowest is loan quality (48/100; 1.57%).
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 fell 5 points (83 → 78), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 73 |
| Q4 2024 | 71 |
| Q1 2025 | 80 |
| Q2 2025 | 83 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 65 |
| Q2 2026 | 78 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.17% |
| Q3 2024 | 15.49% |
| Q4 2024 | 15.89% |
| Q1 2025 | 16.46% |
| Q2 2025 | 15.29% |
| Q3 2025 | 15.30% |
| Q4 2025 | 15.38% |
| Q1 2026 | 15.32% |
| Q2 2026 | 15.21% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.79% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.02% |
| Q2 2025 | 0.86% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.20% |
| Q1 2026 | 3.40% |
| Q2 2026 | 1.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $47.2M | 15.21% | 1.57% | 1.01% | 50.7% |
| Q1 2026 | 65 | $46.1M | 15.32% | 3.40% | 1.04% | 52.7% |
| Q4 2025 | 81 | $45.1M | 15.38% | 1.20% | 0.97% | 55.2% |
| Q3 2025 | 81 | $45.1M | 15.30% | 1.27% | 1.04% | 57.9% |
| Q2 2025 | 83 | $44.3M | 15.29% | 0.86% | 0.98% | 60.9% |
| Q1 2025 | 80 | $45.0M | 16.46% | 1.02% | 0.84% | 62.1% |
| Q4 2024 | 71 | $43.1M | 15.89% | 1.79% | 0.67% | 67.8% |
| Q3 2024 | 73 | $43.1M | 15.49% | 1.47% | 0.62% | 68.7% |
| Q2 2024 | 62 | $43.6M | 15.17% | 2.79% | 0.66% | 70.6% |
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 |
|---|---|---|---|---|---|
| Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL | 99 out of 100, Very strong | $45.9M | 20.5% | 0.00% | vs |
| Solutions First Federal Credit UnionCredit union Enterprise, AL | 20 out of 100, Low | $45.2M | 1.9% | 2.43% | vs |
| Gulf Coast Federal Credit UnionCredit union Mobile, AL | 26 out of 100, Low | $44.2M | 5.9% | 2.74% | vs |
| Champion Community Credit UnionCredit union Courtland, AL | 70 out of 100, Strong | $51.0M | 14.8% | 1.91% | vs |
| Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL | 84 out of 100, Strong | $51.9M | 13.1% | 0.24% | vs |
| Mead Coated Board Federal Credit UnionCredit union Eufaula, AL | 62 out of 100, Moderate | $40.3M | 23.0% | 6.71% | vs |
Deposit insurance
Is my money safe at Azalea City Credit Union?
Yes. Azalea City Credit Union is a federally insured credit union (NCUA charter #68224). 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 5.1% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 15.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Azalea City Credit Union lists 5 offices in 3 cities. Most locations:
- Mobile, AL (3)
- Calvert, AL (1)
- Grove Hill, AL (1)
Identity & history
Profile
- Legal name
- Azalea City Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68224
- RSSD ID
- 348887
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 5662 Cottage Hill Rd, Mobile, AL 36609
- Employees
- 15
Quick answers
Azalea City Credit Union: common questions
Is Azalea City Credit Union NCUA insured?
Yes. Azalea City Credit Union is a federally insured credit union (NCUA charter #68224). 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 Azalea City Credit Union's TellerScore?
78 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 Azalea City Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mobile
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |