Lauderdale County Teachers Credit Union (NCUA charter #61944) is based in Florence, Alabama. Its Q2 2026 call report shows $38.5M in total assets and $33.3M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Lauderdale County Teachers Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 10th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (78/100; 12.80%).
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 6 points (84 → 90), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 81 |
| Q1 2025 | 82 |
| Q2 2025 | 84 |
| Q3 2025 | 85 |
| Q4 2025 | 86 |
| Q1 2026 | 89 |
| Q2 2026 | 90 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.06% |
| Q3 2024 | 11.52% |
| Q4 2024 | 11.68% |
| Q1 2025 | 11.66% |
| Q2 2025 | 11.95% |
| Q3 2025 | 12.10% |
| Q4 2025 | 12.30% |
| Q1 2026 | 12.45% |
| Q2 2026 | 12.80% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.69% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $38.5M | 12.80% | 0.00% | 1.57% | 37.3% |
| Q1 2026 | 89 | $38.4M | 12.45% | 0.02% | 1.69% | 37.9% |
| Q4 2025 | 86 | $37.6M | 12.30% | 0.02% | 1.27% | 38.9% |
| Q3 2025 | 85 | $37.3M | 12.10% | 0.00% | 1.23% | 39.2% |
| Q2 2025 | 84 | $36.7M | 11.95% | 0.00% | 1.17% | 40.6% |
| Q1 2025 | 82 | $36.6M | 11.66% | 0.00% | 0.99% | 39.6% |
| Q4 2024 | 81 | $35.7M | 11.68% | 0.00% | 0.80% | 41.0% |
| Q3 2024 | 80 | $35.8M | 11.52% | 0.00% | 0.77% | 40.5% |
| Q2 2024 | 78 | $36.6M | 11.06% | 0.00% | 0.72% | 40.7% |
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 |
|---|---|---|---|---|---|
| Social Security Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $37.4M | 22.6% | 1.47% | vs |
| Red Oak Credit UnionCredit union Tuscaloosa, AL | 46 out of 100, Below average | $40.1M | 5.8% | 0.68% | vs |
| Mead Coated Board Federal Credit UnionCredit union Eufaula, AL | 62 out of 100, Moderate | $40.3M | 23.0% | 6.71% | vs |
| Wcu Credit UnionCredit union Decatur, AL | 67 out of 100, Moderate | $36.0M | 9.0% | 0.29% | vs |
| Gulf Coast Federal Credit UnionCredit union Mobile, AL | 26 out of 100, Low | $44.2M | 5.9% | 2.74% | vs |
| The Infirmary Federal Credit UnionCredit union Mobile, AL | 81 out of 100, Strong | $32.6M | 14.0% | 0.63% | vs |
Deposit insurance
Is my money safe at Lauderdale County Teachers Credit Union?
Yes. Lauderdale County Teachers Credit Union is a federally insured credit union (NCUA charter #61944). 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 2.9% of shares and deposits ($974K) 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 12.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Lauderdale County Teachers Credit Union lists 2 offices in 1 city. Most locations:
- Florence, AL (2)
Identity & history
Profile
- Legal name
- Lauderdale County Teachers Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61944
- RSSD ID
- 731395
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- 103 Mangum St, Florence, AL 35630
- Employees
- 6
Quick answers
Lauderdale County Teachers Credit Union: common questions
Is Lauderdale County Teachers Credit Union NCUA insured?
Yes. Lauderdale County Teachers Credit Union is a federally insured credit union (NCUA charter #61944). 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 Lauderdale County Teachers Credit Union's TellerScore?
90 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 Lauderdale County Teachers Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Florence
| 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 |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| TVA Community Credit UnionCredit union Muscle Shoals, AL | 90 out of 100, Very strong | $429.0M | 18.4% | 0.32% | vs |
| First Metro BankBank Muscle Shoals, AL | 84 out of 100, Strong | $1.0B | 13.0% | 0.13% | vs |
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |