ALABAMA ONE

Charter #68595 | AL

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in AL

ALABAMA ONE has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.1% in tier
  • + Relationship Depth Leader: Top 14.4% in tier
  • + Organic Growth Leader: Top 17.9% in tier
  • + Emerging Performer: Top 21.9% in tier
  • + Organic Growth Engine: Top 22.7% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 4.6% in tier
  • + Asset Growth Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 2.7% in tier
  • - Growth-at-Risk: Bottom 16.0% in tier
  • - Credit Quality Pressure: Bottom 23.4% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 13.61% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 96,912
+3.3% YoY+1.2% QoQ
 -1.8K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $1.5B
+13.5% YoY+0.9% QoQ
 $-266.9M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 44th in tier
Loans $1.0B
+10.9% YoY+2.8% QoQ
 $-216.2M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 39th in tier
Deposits $1.3B
+14.7% YoY+1.0% QoQ
 $-149.2M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.3%
-8.7% YoY+15.4% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 Bottom 17.4% in tier
NIM 2.5%
+0.1% YoY+2.4% QoQ
 -0.7% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 Bottom 11.8% in tier
Efficiency Ratio 87.6%
-0.1% YoY-1.4% QoQ
 +13.6% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 3.6% in tier
Delinquency Rate 0.8%
+4.2% YoY+1.8% QoQ
 -0.0 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 64th in tier
Loan To Share 77.9%
-3.3% YoY+1.8% QoQ
 -7.3% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 28th in tier
AMR $23,960
+9.3% YoY+0.5% QoQ
 $-5K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 28th in tier
CD Concentration 37.6%
+12.5% YoY+2.2% QoQ
 +8.6% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 Top 15.8% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#38 of 264 • Top 5.1% in tier

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

Why This Signature
AMR Growth (YoY): 9.35%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#105 of 264 • Top 14.4% in tier

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

Why This Signature
AMR Growth (YoY): 9.35%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Organic Growth Leader

growth
#71 of 138 • Top 17.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.31%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Emerging Performer

growth
#117 of 184 • Top 21.9% in tier

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

Why This Signature
Return on Assets: 0.33%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.31%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY

Organic Growth Engine

growth
#165 of 246 • Top 22.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.31%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.33%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk
#10 of 96 • Bottom 2.7% in tier

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

Why This Signature
Efficiency Ratio: 87.59%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 3.31%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Growth-at-Risk

risk
#90 of 161 • Bottom 16.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.88%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#180 of 217 • Bottom 23.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 304 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
15
Deposit Growth Rate
growth
Value: 14.66%
Peer Avg: 5.58%
#15 of 304 Top 4.6% in 1B-3B tier
16
Asset Growth Rate
growth
Value: 13.50%
Peer Avg: 4.83%
#16 of 304 Top 4.9% in 1B-3B tier
33
AMR Growth Rate
growth
Value: 9.35%
Peer Avg: 3.29%
#33 of 304 Top 10.5% in 1B-3B tier
50
Loan Growth Rate
growth
Value: 10.88%
Peer Avg: 5.27%
#50 of 304 Top 16.1% in 1B-3B tier
55
Net Charge-Off Rate
risk
Value: 0.24%
Peer Avg: 0.60%
#55 of 304 Top 17.8% in 1B-3B tier

Top Weaknesses (7 metrics)

294
Efficiency Ratio
profitability
Value: 87.59%
Peer Avg: 73.97%
#294 of 304 Bottom 3.6% in 1B-3B tier
277
Net Worth Ratio
risk
Value: 8.93%
Peer Avg: 11.44%
#277 of 304 Bottom 9.2% in 1B-3B tier
268
Net Interest Margin (NIM)
profitability
Value: 2.51%
Peer Avg: 3.26%
#268 of 304 Bottom 12.2% in 1B-3B tier
265
Share Certificate Concentration (%)
balance_sheet
Value: 37.55%
Peer Avg: 28.53%
#265 of 304 Bottom 13.2% in 1B-3B tier
251
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.70%
#251 of 304 Bottom 17.8% in 1B-3B tier
236
Loan-to-Member Ratio (LMR)
engagement
Value: $10,493
Peer Avg: $13,213
#236 of 304 Bottom 22.7% in 1B-3B tier
235
Members Per Employee (MPE)
engagement
Value: 299.111
Peer Avg: 364.953
#235 of 304 Bottom 23.0% in 1B-3B tier