C
Alabama One Credit Union
Rating Date
July 2025
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 0.0.
Other Rating Factors: A current level of 7.5 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (7.0). Weak liquidity 2.7, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 24.7 percent.
Asset Mix: Home mtgs (22%), consumer loans (17%), other (61%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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Hot Money
Corporate Info
Address
1215 Veterans Memorial Parkway
Tuscaloosa, AL 35404
Phone Number
(205) 759-1595
NCUA Charter Number
Largest Competitors