Charter 60500 · Huntsville, AL
North Alabama Educators Credit Union
North Alabama Educators Credit Union is a state-chartered credit union in Huntsville, Alabama, with $143 million in assets and 10,879 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.04%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $143 million
- +4.8% in a year
- Members
- 10,879
- +0.8% in a year
- Net worth ratio
- 8.04%
- Peer median 11.65%
- Loans 60+ days late
- 0.72%
- Peer median 0.70%
- Loans outstanding
- $55.3 million
- +3.0% in a year
- Shares and deposits
- $132 million
- +3.7% in a year
- Branches
- 4
- 34 employees
- Opened
- 1957
- Alabama charter
How North Alabama Educators Credit Union compares
NCUA groups credit unions by size; North Alabama Educators Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.04% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.72%, is about the same as the group median of 0.70%. Loans grew 3.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 32 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $143 million | 10,879 | $55.3 million | 8.04% | 0.72% |
| Q1 2026 | $143 million | 10,854 | $54.8 million | 7.94% | 0.59% |
| Q4 2025 | $139 million | 10,859 | $54.6 million | 7.89% | 0.46% |
| Q3 2025 | $138 million | 10,851 | $54.6 million | 7.88% | 0.53% |
| Q2 2025 | $136 million | 10,792 | $53.7 million | 7.80% | 0.30% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 54,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for North Alabama Educators Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
2309 Whitesburg Dr Se, Huntsville, AL 35801 - Sparkman Branch
2100 Sparkman Dr Nw, Huntsville, AL 35810 - Athens Branch
107 Us Highway 31 S, Athens, AL 35611 - Madison Branch
7559 Highway 72 W Ste 114, Madison, AL 35758 - EPL, Inc. / VISIFI
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 - Rocket City FCU
2200 Clinton Ave W, Huntsville, AL 35805
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology