# TUSCALOOSA
TUSCALOOSA, AL · NCUA charter 60485 · asset band $50-100M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tuscaloosa-60485

Who the members are: state charter, organized 1951, low-income designated. 7,171 members of 50,000 potential (14.3% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $75.2M |
| Members | 7,171 (1.7% YoY) |
| Full-time staff | 25 |
| Net worth | $7.5M |
| Net worth ratio | 9.9% (p38 of band) |
| ROA (annualized) | 0.55% (p63 of band) |
| Total delinquency | 0.74% (p49 of band) |
| Net charge-offs (annualized) | 0.32% (p47 of band) |
| Loans / shares | 70% (p59 of band) |
| Cash / assets | 3.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.74% (p34 of band) |
| Operating expense / assets | 4.04% (p68 of band) |
| Vehicles % of loans | 43% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 1.11% (p70 of band) |
| Vehicle NCO | 0.83% (p79 of band) |
| Repossessed % of vehicle book | 0.04% (p72 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 21% |
| Certificates % of member funds | 42% |
| Average share balance | $4,972 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 41% |
| Average loan balance | $10,345 |
| Loans granted, annualized | $27.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-30 [Alabama ONE Credit Union Joins Effort To Assist B.F. Goodrich Employees Impacted By Shutdown - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMibEFVX3lxTE9oUGloMW1IclJUeGtTNjJmOWpHOUh2S2x4bDJjVmFxeExOSGp0R1BPYUR1SzlUa0R2Ui1Xb2toQ09LUWFpVWtFVklPdHdLNnNQVUZ0TVdOYm9WekVmV1JNT0RGVExYdzV0X092dg?oc=5) · Tuscaloosa Thread
- 2026-03-25 [List: Alabama’s Largest Credit Unions 2026 - Business Alabama Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE9OUDEycExMSHlpSjRwaEttUXk5WTBWaXFjSEN0eGpXaldEOFQ0VUVTOUFTelg4VDdFSEZZeEJwWGt1UmpLb24tc2tSQ1VHUXl2MVllWVlxOWZ3NFFPSGxpQWl3WE1zSGJyY0hMVGhKU0gxbkhLQXc3RA?oc=5) · Business Alabama Magazine
- 2026-02-18 [Alabama ONE Credit Union Acquires Peoples Independent Bank - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxQczUzdmZjLXhSb0xoYjlUUnZpUk5HUzByQ0pjaHRKNm1BNkYtaEU4OE1XeUVOSmktRGxYVFhUbmYtbFFZdlhtM1FLcmo3OS1SMG5ZLXd2dFdmYVhSQlg0bXE3UmtlZE9pN3NzZEdsZ0cxZENVa1pmSGJhd2pvRnU0WGNFYnVTMzZnLThMbEZfTGozWUw1VGxVNzA5Zw?oc=5) · Patch
- 2026-06-30 [Alabama ONE Credit Union Responds to Closure of BFGoodrich Tire Plant in Tuscaloosa, Reaffirms Commitment to West Alabama - WEIS | Local & Area News, Sports, & Weather - weisradio.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNU05VNXVQbmJwdUhBTTFRSGhkTUh3bUlkS09lc0cyMGczLXhQTUNJcDJfWnJzdEp1bzJEYm5wcmNkZFB3V3VKTDBfelk4M0o1SXNIUjRSWkdoSkRtTmdpbGpoSDJVMHNaREhPcVl3LUh5eWU5Mk1FU1dubldEWXZVbXozU1F5RFNWdXNfYkVOMVlxa2hpTGZZa1VDQ1VzbmpiYXVrbWtIcjFzNUQwNnRadUtUV1g5a3NJMTFKcDRmNDNyZjJmYzdOemkycVAzeHI3Z2RtUkUyVjlqR2xLb19MZW5Ecl9JcXk1OUE?oc=5) · weisradio.com
- 2026-02-19 [Alabama One Credit Union Makes Significant Acquisition - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZTdBclRMMXVaOUQ0WmI3cXhCYVhVMGRHSHppdUJzb19YRmNsOUJjV1c3cmZYUExLc3ZJMjBHazE2S0Z5ci1IOTNLdjl2a3dSZHo4cUMxcGlpOFd0N0k2Nlh0SHRCUnJkNVZDNWRWbmNCcTdjUy1fdEgzcjZ1VWhRc1JR?oc=5) · Tuscaloosa Thread
- 2022-12-21 [December M&A flurry propels credit union-bank deal tally to near record - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcTZuVHQ5Zkd3UmJVejhHUUZjSFNZRWRWOEZ1WXp5c2pPR1VfRTNWa1cwd3dOU2lhei1SSlVuUnFZanAwak8zVnB1eVhURy02eXZNM01zVW5NRWVEUDNQQkZkN1NROHRlcUpXS1c5TzVWT1FtdTJjbFpES3BtcWo0b0tRLUVHSmZ5ZXF6Z3prN2hRRlNkcHVsX0lIMmlhNDdZbnJka0tB?oc=5) · Banking Dive
- 2022-12-20 [Alabama One Credit Union buying a bank - americanbanker.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcTNTX2hFamdaa2trYU1lWC1WYm5ESUdMa3NMaENXN1lRNVV1cHpNWk9sRkUwaXFMSDBwZjhjRzR0YlR0UnpXZnVsc1gzOS1fT2k2Q05zUU16OWFqMS0wRWI2UV8wZXRVWWlGc1R5dm9kWEJMYV95ZzdXRWw4SndlUF95THJtVmhmVmxIMmdwNFA?oc=5) · americanbanker.com
- 2025-11-20 [Alabama ONE Credit Union Announces Several Leadership Appointments - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVmNPczZjUkdETHVCV2RPYmUwMFFiQ2RscnkxSHhoVk5mSTlCZkZ4cEhDNi1YUzdFVDNWLU1OX2djRHFiWFRvNVdQdnJ6ei16MlRfWTB1R244b3hPUjJLRDhaUWhmT2hYSXFuQV9zYkJoMm1jMV9Wd1I4VERHbWVfaWQyRFBlUmtOZjVnNVAtTm5IWXNxNy1Mc1lJVHlSN3NWYlRnNTdR?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60485 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/5.json (key "60485", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60485
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide