How many credit unions are in Alabama?

There are 89 federally insured credit unions in Alabama according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $39.4B in assets and serve 2.5M members.

What is the average net worth ratio for credit unions in Alabama?

The average net worth ratio for credit unions in Alabama is 16.1%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.

Which is the largest credit union in Alabama?

The largest credit union in Alabama by total assets is REDSTONE with $8.4B in assets. You can view full details, branch locations, and financial health data on its individual profile page.

Credit Unions in Alabama

89 federally insured credit unions — NCUA Q4 2025 data

Credit Unions

Federally insured in Alabama

Total Members

2.5M

Combined membership

Total Assets

$39.4B

Combined industry assets

Avg Net Worth Ratio

16.1%

Well-capitalized threshold: 7%

Cities in Alabama

Select a city to browse local credit unions

Birmingham19 credit unionsMOBILE9 credit unionsTuscaloosa6 credit unionsMONTGOMERY4 credit unionsHUNTSVILLE3 credit unionsanniston3 credit unionsBessemer2 credit unionsTUSKEGEE2 credit unionsAndalusia2 credit unionsOPELIKA2 credit unionsSHEFFIELD2 credit unionsFlorence2 credit unionsDecatur2 credit unionsHOOVER2 credit unionsMuscle Shoals2 credit unionsGADSDEN2 credit unionsSycamore1 credit unionBynum1 credit unionChildersburg1 credit unionNORMAL1 credit unionBAY MINETTE1 credit unionPhenix City1 credit unionFORT PAYNE1 credit unionEnterprise1 credit unionDemopolis1 credit unionDALEVILLE1 credit unionEufaula1 credit unionStevenson1 credit unionEutaw1 credit unionVALLEY1 credit unionTUSCUMBIA1 credit unionMC INTOSH1 credit unionOPP1 credit unionPennington1 credit unionCourtland1 credit unionDothan1 credit unionPrattville1 credit unionSylacauga1 credit unionRainbow City1 credit unionIrondale1 credit unionAuburn1 credit union

Top 10 Credit Unions in Alabama

Ranked by total assets — Q4 2025

Rank	Name	Total Assets	Members	Health
#1	REDSTONE	$8.4B	545K	A+
#2	ALL IN	$3.6B	212K	B+
#3	SOUTHERN ENERGY	$3.6B	90K	A+
#4	AMERICA'S FIRST	$2.7B	195K	A+
#5	MAX	$2.3B	131K	A+
#6	ALABAMA	$2.1B	156K	A
#7	ALABAMA ONE	$1.5B	96K	A
#8	LISTERHILL	$1.4B	92K	A+
#9	AVADIAN	$1.4B	84K	A
#10	FIVE STAR	$1.2B	66K	A

Financially Strongest Credit Unions in Alabama

Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold

43.6%NW Ratio

ALABAMA POSTAL

$6.4M in assets

37.8%NW Ratio

COVINGTON SCHOOLS

$21.9M in assets

37.5%NW Ratio

S R I EMPLOYEES

$3.7M in assets

36.7%NW Ratio

FIREMAN'S

$7.2M in assets

34.1%NW Ratio

DEMOPOLIS

$3.1M in assets

Credit Unions with Low Net Worth Ratios in Alabama

The following credit unions have a net worth ratio below 5%, which is below the NCUA's “adequately capitalized” threshold of 6%. This information is provided for educational purposes only. All listed institutions remain federally insured by the NCUA up to $250,000. Contact the credit union or visit NCUA.gov for the latest status.

4.0%NW Ratio

TUSKEGEE

$11.8M in assets

Frequently Asked Questions

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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.