A
Alabama State Employees Credit Union
Rating Date
December 2025
Net Capital
Ratio
11.55
Leverage
Ratio
12.37
Return On
Assets
1.11%
Total
Assets
426.34M
Capital
47.93M
Total
Deposits
375.23M
Net
Income
3.48M
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Weiss Ratings Alabama State Employees Credit Union
Montgomery, AL 		Click to
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 4.20
Profitability Index 7.90
Stability Index 6.50
Company Info Alabama State Employees Credit Union
Montgomery, AL 		Click to
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NCUA Charter Number 5202
Phone Number (334) 270-9011
Website www.yourasecu.com
Asset Quality Alabama State Employees Credit Union
Montgomery, AL 		Click to
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1-Year Asset Growth 6.09%
5-Year Asset Growth 4.78%
5-Year Charge-Offs to Average Loans 0.49%
Charge-Offs to Average Loans 0.73%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 1.47%
Non-Performing Loans to Loans 0.29%
Balance Sheet Alabama State Employees Credit Union
Montgomery, AL 		Click to
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Total Assets 426.34M
Total Deposits 375.23M
Capital and Reserves Alabama State Employees Credit Union
Montgomery, AL 		Click to
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Capital 47.93M
Leverage Ratio 12.37
Loan Loss Reserves to Loans 1.13%
Liquidity Alabama State Employees Credit Union
Montgomery, AL 		Click to
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Hot Money Ratio 3.32%
Liquidity Ratio 21.89%
Profitability Alabama State Employees Credit Union
Montgomery, AL 		Click to
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5-Year Return on Average Assets 0.63%
Net Income 3.48M
Net Interest Spread 5.32%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 72.68%
Return on Assets 1.11%
Return on Equity 10.33%