Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: AL × Clear all

Most Strengths

All tiers in AL

Rank	Credit Union
1	SYCAMORE Sycamore, AL
2	FIVE STAR Mid-Market Dothan, AL
3	ALABAMA ONE Mid-Market TUSCALOOSA, AL
4	GUARDIAN Mid-Market Prattville, AL
5	COOSA PINES Community Childersburg, AL
6	FAMILY SAVINGS Mid-Market Rainbow City, AL
7	EMBLEM Community GADSDEN, AL
8	ALL IN Mid-Market DALEVILLE, AL
9	NEW HORIZONS Community MOBILE, AL
10	NAHEOLA Community Pennington, AL
11	AOD Community BYNUM, AL
12	AVADIAN Mid-Market Birmingham, AL
13	TVA COMMUNITY CREDIT UNION Community MUSCLE SHOALS, AL
14	FOUR SEASONS OPELIKA, AL
15	AMERICA'S FIRST Mid-Market BIRMINGHAM, AL
16	MAX Mid-Market Montgomery, AL
17	SOUTHERN ENERGY Mid-Market BIRMINGHAM, AL
18	LEGACY COMMUNITY Community BIRMINGHAM, AL
19	AUBURN UNIVERSITY Community AUBURN, AL
20	ALABAMA Mid-Market TUSCALOOSA, AL
21	REDSTONE Large HUNTSVILLE, AL
22	THE BRIDGEWAY Phenix City, AL
23	DEMOPOLIS DEMOPOLIS, AL
24	VALLEY Community TUSCUMBIA, AL
25	CHATTAHOOCHEE VALLEY, AL

Most Concerns

All tiers in AL

Rank	Credit Union
1	L&N EMPLOYEES Birmingham, AL
2	COVINGTON SCHOOLS ANDALUSIA, AL
3	SOLUTIONS FIRST ENTERPRISE, AL
4	GULF COAST MOBILE, AL
5	NRS COMMUNITY DEVELOPMENT BIRMINGHAM, AL
6	MONTGOMERY VA MONTGOMERY, AL
7	COUNCILL NORMAL, AL
8	FLORENCE Florence, AL
9	RED OAK TUSCALOOSA, AL
10	UNIVERSITY OF SOUTH ALABAMA MOBILE, AL
11	CHEM FAMILY Anniston, AL
12	RIVERFALL Community Tuscaloosa, AL
13	NORTHEAST ALABAMA POSTAL anniston, AL
14	RAILROAD IRONDALE, AL
15	FIREMAN'S BIRMINGHAM, AL
16	BLUE FLAME Mobile, AL
17	OPP-MICOLAS OPP, AL
18	U S PIPE BESSEMER EMPLOYEES Bessemer, AL
19	NUCOR EMPLOYEES FORT PAYNE, AL
20	TUSKEGEE TUSKEGEE, AL
21	ANDALUSIA MILLS EMPLOYEES CREDIT AS ANDALUSIA, AL
22	ALABAMA POSTAL Birmingham, AL
23	EAST ALABAMA COMMUNITY OPELIKA, AL
24	S R I EMPLOYEES Birmingham, AL
25	FORT MCCLELLAN Community Anniston, AL

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)