C
North Alabama Educators Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings North Alabama Educators Credit Union
Huntsville, AL
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Rating C
Asset Quality Index 9.20
Capitalization Index 4.00
Liquidity Index 5.80
Profitability Index 3.50
Stability Index 3.00
Company Info North Alabama Educators Credit Union
Huntsville, AL
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NCUA Charter Number 4278
Phone Number (256) 534-2423
Website www.naecu.org/
Asset Quality North Alabama Educators Credit Union
Huntsville, AL
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1-Year Asset Growth 3.48%
5-Year Asset Growth 5.84%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 3.30%
Non-Performing Loans to Loans 0.53%
Balance Sheet North Alabama Educators Credit Union
Huntsville, AL
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Total Assets 137.61M
Total Deposits 127.71M
Capital and Reserves North Alabama Educators Credit Union
Huntsville, AL
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Capital 8.62M
Leverage Ratio 7.73
Loan Loss Reserves to Loans 0.35%
Liquidity North Alabama Educators Credit Union
Huntsville, AL
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Hot Money Ratio 0.49%
Liquidity Ratio 30.99%
Profitability North Alabama Educators Credit Union
Huntsville, AL
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5-Year Return on Average Assets 0.28%
Net Income 399.00K
Net Interest Spread 3.14%
Operating Profit to Average Assets 0.53%
Overhead Efficiency Ratio 85.26%
Return on Assets 0.39%
Return on Equity 6.96%