Alabama State Employees Credit Union

Montgomery, AL

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	9.00
Capitalization Index	9.40
Liquidity Index	4.10
Profitability Index	7.20
Stability Index	6.50

Company Info	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	5202
Phone Number	(334) 270-9011
Website	www.yourasecu.com

Asset Quality	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	5.53%
5-Year Asset Growth	4.78%
5-Year Charge-Offs to Average Loans	0.49%
Charge-Offs to Average Loans	0.81%
Non-Performing Assets to Assets	0.15%
Non-Performing Loans to Capital	1.30%
Non-Performing Loans to Loans	0.24%

Balance Sheet	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
Total Assets	420.87M
Total Deposits	372.45M

Capital and Reserves	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
Capital	45.52M
Leverage Ratio	12.21
Loan Loss Reserves to Loans	1.12%

Liquidity	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	2.79%
Liquidity Ratio	23.12%

Profitability	Alabama State Employees Credit Union Montgomery, AL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.63%
Net Income	2.15M
Net Interest Spread	5.28%
Operating Profit to Average Assets	1.64%
Overhead Efficiency Ratio	72.42%
Return on Assets	1.03%
Return on Equity	9.77%