TellerScore

North Alabama Educators Credit Union (NCUA charter #60500) is based in Huntsville, Alabama. Its Q2 2026 call report shows $142.9M in total assets and $132.2M in member shares and deposits and 4 offices.

North Alabama Educators Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 71st. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 2% uninsured); capital cushion contributes the least (30/100, 8.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 8.04%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity100/100
Loans ÷ shares: 41.9% · 1.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.51%

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 (63 → 62).

TellerScore
566063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202456
Q4 202458
Q1 202563
Q2 202563
Q3 202561
Q4 202562
Q1 202662
Q2 202662
Net worth ratio
7.00%7.52%8.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.76%
Q3 20247.84%
Q4 20247.79%
Q1 20257.81%
Q2 20257.80%
Q3 20257.88%
Q4 20257.89%
Q1 20267.94%
Q2 20268.04%
Delinquent loans (60+ days)
0.29%0.55%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.81%
Q4 20240.60%
Q1 20250.29%
Q2 20250.30%
Q3 20250.53%
Q4 20250.46%
Q1 20260.59%
Q2 20260.72%
Return on assets
0.12%0.39%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.12%
Q3 20240.18%
Q4 20240.16%
Q1 20250.37%
Q2 20250.41%
Q3 20250.39%
Q4 20250.44%
Q1 20260.58%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$142.9M8.04%0.72%0.66%41.9%
Q1 202662$142.7M7.94%0.59%0.58%41.5%
Q4 202562$139.3M7.89%0.46%0.44%42.2%
Q3 202561$137.6M7.88%0.53%0.39%42.7%
Q2 202563$136.4M7.80%0.30%0.41%42.1%
Q1 202563$137.3M7.81%0.29%0.37%41.4%
Q4 202458$132.7M7.79%0.60%0.16%42.8%
Q3 202456$133.0M7.84%0.81%0.18%43.4%
Q2 202460$133.8M7.76%0.40%0.12%42.8%

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 ratio8.04%
4th
Problem loans0.72%
48th
Net charge-offs0.24%
65th
Return on assets0.66%
44th
Loans to deposits41.9%
95th
Uninsured deposits1.9%
91st
Loan-loss reserves0.00%
50th
Texas ratio3.5%
55th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Mobile Educators Credit UnionCredit union Mobile, AL84 out of 100, Strong$113.2M13.2%0.74%vs
Valley Credit UnionCredit union Tuscumbia, AL84 out of 100, Strong$112.9M14.0%0.20%vs
Four Seasons Federal Credit UnionCredit union Opelika, AL58 out of 100, Moderate$103.7M8.6%1.53%vs
Heritage South Credit UnionCredit union Sylacauga, AL63 out of 100, Moderate$183.7M10.2%0.88%vs
Railroad Credit UnionCredit union Irondale, AL87 out of 100, Very strong$100.6M14.4%0.07%vs
Riverfall Credit UnionCredit union Tuscaloosa, AL60 out of 100, Moderate$193.9M11.9%1.93%vs

Deposit insurance

Is my money safe at North Alabama Educators Credit Union?

Yes. North Alabama Educators Credit Union is a federally insured credit union (NCUA charter #60500). 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 1.9% of shares and deposits ($2.5M) 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 8.04%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

North Alabama Educators Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, North Alabama Educators Credit Union reported 11 home-loan applications under HMDA (LEI 254900Z5MXY02EYXAM91): 10 originated ($670,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, 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
North Alabama Educators Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60500
RSSD ID
486592
Primary regulator
State + NCUA
Established
1957
Headquarters
Po Box 128, Huntsville, AL 35804
Employees
34

Quick answers

North Alabama Educators Credit Union: common questions

Is North Alabama Educators Credit Union NCUA insured?

Yes. North Alabama Educators Credit Union is a federally insured credit union (NCUA charter #60500). 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 North Alabama Educators Credit Union's TellerScore?

62 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 North Alabama Educators Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntsville

InstitutionScoreAssetsCapitalProblem loansCompare
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
First State Bank of DeKalb CountyBank Fort Payne, AL86 out of 100, Very strong$353.8M14.1%0.84%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs