ALABAMA CENTRAL

Charter #60712 | AL

100M-500M (1077 CUs) Micro
20 100M-500M in AL

ALABAMA CENTRAL has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.9% in tier
  • + Relationship Depth Leader: Top 16.5% in tier
  • + Emerging Performer: Top 27.3% in tier
  • + ROA 0.04% above tier average
  • + Net Interest Margin 0.25% above tier average
  • + Total Delinquency Rate (60+ days): Top 5.3% in tier
  • + AMR Growth Rate: Top 5.9% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 4.2% in tier
  • - Stagnation Risk: Bottom 7.4% in tier
  • - Institutional Decline: Bottom 10.7% in tier
  • - Efficiency Drag: Bottom 21.8% in tier
  • - Margin Compression: Bottom 31.3% in tier
  • - Efficiency ratio 6.23% above tier (higher cost structure)
  • - Member decline: -6.9% YoY
  • - Member Growth Rate: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 20,037
-6.9% YoY-1.8% QoQ
 +4.4K 15,628
-3.4% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 Top 24.6% in tier
Assets $209.4M
+4.9% YoY+1.0% QoQ
 $-21.9M $231.3M
-0.0% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $142.6M
-2.7% YoY+0.1% QoQ
 $-5.2M $147.8M
-1.4% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $189.5M
+10.4% YoY+0.4% QoQ
 $-10.8M $200.3M
-0.0% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 0.8%
-11.4% YoY+3.3% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 55th in tier
NIM 3.8%
+1.3% YoY+0.3% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 65th in tier
Efficiency Ratio 83.5%
+1.9% YoY-0.3% QoQ
 +6.2% 77.3%
-3.0% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 0.1%
-85.7% YoY-31.7% QoQ
 -0.8 0.9%
+7.6% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 Bottom 5.3% in tier
Loan To Share 75.3%
-11.8% YoY-0.3% QoQ
 +2.6% 72.7%
-1.5% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $16,576
+12.1% YoY+2.1% QoQ
 $-8K $24,363
+2.9% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 Bottom 16.3% in tier
CD Concentration 14.9%
+17.1% YoY+4.9% QoQ
 -9.5% 24.4%
+4.2% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 6.0%
-34.4% YoY-10.7% QoQ
 -8.0% 14.0%
-5.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#80 of 1006 • Top 2.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 12.15%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#455 of 1006 • Top 16.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 12.15%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#513 of 627 • Top 27.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -6.95%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline
#70 of 550 • Bottom 4.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.95%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#122 of 550 • Bottom 7.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -6.95%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 14.93%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#85 of 256 • Bottom 10.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $209.40M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -6.95%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.69%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Efficiency Drag

risk
#386 of 521 • Bottom 21.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.51%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -6.95%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Margin Compression

decline
#132 of 136 • Bottom 31.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $209.40M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

58
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 0.86%
#58 of 1077 Top 5.3% in 100M-500M tier
65
AMR Growth Rate
growth
Value: 12.15%
Peer Avg: 3.64%
#65 of 1077 Top 5.9% in 100M-500M tier
102
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.47%
#102 of 1077 Top 9.4% in 100M-500M tier
111
Deposit Growth Rate
growth
Value: 10.38%
Peer Avg: 4.69%
#111 of 1077 Top 10.2% in 100M-500M tier
239
Share Certificate Concentration (%)
balance_sheet
Value: 14.93%
Peer Avg: 23.61%
#239 of 1077 Top 22.1% in 100M-500M tier
265
Total Members
engagement
Value: 20,037
Peer Avg: 15,628
#265 of 1077 Top 24.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1014
Member Growth Rate
growth
Value: -6.95%
Peer Avg: 0.72%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
901
Average Member Relationship (AMR)
engagement
Value: $16,576
Peer Avg: $24,363
#901 of 1077 Bottom 16.4% in 100M-500M tier
887
Net Worth Ratio
risk
Value: 9.29%
Peer Avg: 12.15%
#887 of 1077 Bottom 17.7% in 100M-500M tier
835
Loan Growth Rate
growth
Value: -2.69%
Peer Avg: 3.45%
#835 of 1077 Bottom 22.6% in 100M-500M tier
818
Loan-to-Member Ratio (LMR)
engagement
Value: $7,118
Peer Avg: $10,245
#818 of 1077 Bottom 24.1% in 100M-500M tier