States
Credit unions in Alabama: the best and largest of 88, compared
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All 88 filers based in Alabama, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Alabama: credit unions that match
88
| Their members | 2.49M |
| Their assets | $40.4B |
| First on this sort | Redstone Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Redstone Federal Credit UnionHuntsville | $8.59B | 539K | 13.86% | 0.70% | 46 | 3/5 |
| All in Federal Credit UnionDaleville | $3.73B | 214K | 10.09% | 1.76% | 44 | 4/5 |
| Southern Energy Credit UnionBirmingham | $3.60B | 91K | 14.59% | 0.23% | 28 | 5/5 |
| America's First Federal Credit Union (America's First Financial)Birmingham | $2.79B | 196K | 12.25% | 0.77% | 23 | 4/5 |
| Max Credit UnionMontgomery | $2.38B | 133K | 14.52% | 0.68% | 16 | 5/5 |
| Alabama Credit UnionTuscaloosa | $2.08B | 153K | 9.91% | 0.80% | 39 | 3/5 |
| Alabama One Credit Union (Alabama One Wealth Advisory)Tuscaloosa | $1.52B | 97K | 9.08% | 0.85% | 32 | 4/5 |
| Listerhill Credit UnionMuscle Shoals | $1.47B | 92K | 11.06% | 0.62% | 18 | 5/5 |
| Avadian Credit UnionHoover | $1.43B | 83K | 10.31% | 0.46% | 19 | 4/5 |
| Guardian Credit UnionPrattville | $1.27B | 96K | 9.46% | 1.45% | 17 | 4/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
88 credit unions based in Alabama filed 2.49M members and $40.4B in assets with the National Credit Union Administration for June 30, 2026. Alabama’s largest filers are Redstone Federal Credit Union in Huntsville, with 539K members, and All in Federal Credit Union in Daleville. Almost half the filers sit under $50 million, 44 of 88, and 13 report $1 billion or more, so the state has both ends of the scale. Capital runs high: the combined net worth ratio is 12.66% against 11.42% nationwide. Loans two months late or worse come to 0.92%, close to the national 0.96%. 4 federally insured filers report net worth under the 7% line of the federal capital rule. Loans equal only 66.6% of shares, the 4th lowest ratio. First-lien home loans are only 26.8% of lending, the 10th lowest share. Each reported branch has 4,336 members on average, the 13th lowest load. Offices by city: Birmingham (40), Mobile (37), Tuscaloosa (27), Montgomery (22), out of 154 places in 60 counties. Gone since last year: Alabama River CU ($23M), Montgomery VA FCU ($6.7M). Latest charter: NRS Community Development Federal Credit Union, 1996, with none since 2000. The file does not say who may join any of them, or why a charter stopped filing.
Offices of credit unions based elsewhere
Alabama: all member-service offices
528
| Of credit unions based elsewhere | 29 |
| Number of those credit unions | 15 |
| Based in the state | 88 |
Filings read by Radif Partners · Editorial policy · Method and sources
Two names at the top, and a long small list
Four Alabama filers report a net worth ratio under 7%, so the ratio column deserves a look before you move savings. Same-charter members fell 3.76%, the steepest drop in the country, even as assets rose 4.74%. Small workplace and church charters still make up a good part of the list. 14 carry the minority depository flag.
Highest net worth (over $100 million): Family Security CU, 19.92%. Fewest late loans: Railroad CU, 0.07%. Redstone FCU leads on members, 539K, and branches, 46. Largest member change: Auburn University CU, +7.36%. Next by assets: America's First FCU, Max CU, Alabama CU, Alabama One CU, Listerhill CU, Avadian CU. Smallest: NRS Community Development FCU, North Alabama Papermakers FCU, Federation of Greene County Empl. FCU. Under 7% net worth: Solutions First FCU, Gulf Coast FCU, Red Oak CU, Tuskegee FCU. Minority depository flag: The Bridgeway FCU, Gulf Coast FCU, Federal Employees CU, Fedmont FCU and 10 more. Largest outside presence: Navigator FCU, from MS, 4 offices.
Four Seasons FCU (67.8%) leans most on vehicle loans, ACIPCO FCU (68.0%) on first-lien home loans, Eco CU (7.4%) on cards. Oldest charters: Alabama Postal CU, 1927; Mobile Government Emp. CU, 1928; Chem Family CU, 1928. Baldwin County FCU lost the most members in percentage terms, -18.61%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Alabama | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 31.8% | 25th highest | 27.5% |
| First-lien home loans, share of loans | 26.8% | 10th lowest | 36.6% |
| Credit cards, share of loans | 3.1% | 16th highest | 4.9% |
| Commercial loans without real estate, share of loans | 1.2% | 14th highest | 0.8% |
| Loans as a share of shares and deposits | 66.6% | 4th lowest | |
| Assets per member | $16,230 | 20th lowest | |
| Members per reported branch | 4,336 | 13th lowest | |
| Members per employee (full- and part-time) | 351 | 18th lowest | |
| Filers with one branch or none | 34.1% | 22nd lowest | |
| Three largest names, share of assets | 39.4% | 13th lowest | |
| Fall in filer count over 12 months | 2.2% | 18th lowest | |
| Median year a charter opened | 1955 | 14th highest |
The largest in Alabama
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Redstone Federal Credit Union | Huntsville | $8.59B | 539K | 13.86% | 0.70% | 46 | 3/5 |
| All in Federal Credit Union | Daleville | $3.73B | 214K | 10.09% | 1.76% | 44 | 4/5 |
| Southern Energy Credit Union | Birmingham | $3.60B | 91K | 14.59% | 0.23% | 28 | 5/5 |
| America's First Federal Credit Union (America's First Financial) | Birmingham | $2.79B | 196K | 12.25% | 0.77% | 23 | 4/5 |
| Max Credit Union | Montgomery | $2.38B | 133K | 14.52% | 0.68% | 16 | 5/5 |
| Alabama Credit Union | Tuscaloosa | $2.08B | 153K | 9.91% | 0.80% | 39 | 3/5 |
| Alabama One Credit Union (Alabama One Wealth Advisory) | Tuscaloosa | $1.52B | 97K | 9.08% | 0.85% | 32 | 4/5 |
| Listerhill Credit Union | Muscle Shoals | $1.47B | 92K | 11.06% | 0.62% | 18 | 5/5 |
| Avadian Credit Union | Hoover | $1.43B | 83K | 10.31% | 0.46% | 19 | 4/5 |
| Guardian Credit Union | Prattville | $1.27B | 96K | 9.46% | 1.45% | 17 | 4/5 |
| Five Star Credit Union | Dothan | $1.26B | 69K | 13.82% | 1.50% | 26 | 4/5 |
| Family Savings Credit Union | Rainbow City | $1.18B | 79K | 8.86% | 1.03% | 18 | 4/5 |
| Family Security Credit Union | Decatur | $1.09B | 89K | 19.92% | 0.61% | 23 | 5/5 |
| Legacy Community Federal Credit Union | Birmingham | $727M | 39K | 13.28% | 1.64% | 11 | 4/5 |
| Emblem Credit Union | Gadsden | $628M | 30K | 11.29% | 0.63% | 7 | 4/5 |
| Winsouth Credit Union | Gadsden | $479M | 34K | 10.41% | 0.65% | 9 | 4/5 |
| Alabama State Employees Credit Union (ASE Credit Union) | Montgomery | $471M | 39K | 12.01% | 0.31% | 9 | 4/5 |
| AOD Federal Credit Union | Oxford | $467M | 38K | 16.36% | 0.53% | 6 | 5/5 |
| TVA Community Credit Union | Muscle Shoals | $429M | 20K | 18.38% | 0.32% | 11 | 5/5 |
| Coosa Pines Federal Credit Union | Childersburg | $421M | 26K | 16.20% | 0.87% | 5 | 4/5 |
| New Horizons Credit Union | Mobile | $304M | 24K | 10.81% | 0.37% | 8 | 5/5 |
| Auburn University Credit Union | Auburn | $268M | 19K | 9.77% | 0.59% | 3 | 5/5 |
| Mutual Savings Credit Union | Hoover | $243M | 19K | 9.06% | 0.19% | 7 | 4/5 |
| Fort McClellan Credit Union | Anniston | $224M | 15K | 12.73% | 1.17% | 6 | 4/5 |
| Alatrust Credit Union | Hoover | $224M | 13K | 13.97% | 1.72% | 6 | 4/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Navigator Federal Credit Union | MS | 4 | $407M | 17.98% |
| Penair Credit Union | FL | 4 | $2.82B | 11.48% |
| Hope Federal Credit Union | MS | 3 | $881M | 16.18% |
| Gulf Winds Credit Union | FL | 3 | $1.36B | 9.90% |
| Navy Federal Credit Union | VA | 2 | $204.4B | 11.65% |
| Keesler Federal Credit Union | MS | 2 | $5.30B | 12.81% |
| CommunityAmerica Federal Credit Union | KS | 2 | $9.02B | 9.94% |
| Nucor Employee's Credit Union | SC | 2 | $68M | 19.74% |
| Tyndall Federal Credit Union | FL | 1 | $1.92B | 13.61% |
| Kinetic Federal Credit Union | GA | 1 | $665M | 14.08% |
| Honda Federal Credit Union | CA | 1 | $1.20B | 9.29% |
| MTC Federal Credit Union | SC | 1 | $303M | 12.73% |
In figures
| Measure | Alabama | Federally insured, US |
|---|---|---|
| Credit unions | 88 | 4,214 |
| Members | 2.49M | 146.11M |
| Assets | $40.4B | $2.50T |
| Net worth ratio | 12.66% | 11.42% |
| Delinquency | 0.92% | 0.96% |
| Same-charter members, 12 months | -3.76% | n/a |
| Same-charter assets, 12 months | +4.74% | n/a |
| Filers a year earlier | 90 | n/a |
| Federal charters | 39 | 2,649 |
| State charters | 49 | 1,650 |
| Minority depository flag | 14 | 454 |
Who can join
We read these rules on the credit union’s own page. Redstone Federal Credit Union: Immediate family or household of a member, military in eligible counties, government employees and contractors, partner organizations, or joining the AUSA Redstone-Huntsville chapter. (redfcu.org/join, read on November 2, 2026) For every other name on this list, membership is not verified: confirm with the credit union. How to join sets out the steps.