# NORTH ALABAMA EDUCATORS
HUNTSVILLE, AL · NCUA charter 60500 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-alabama-educators-60500

Who the members are: state charter, organized 1957. 10,854 members of 54,000 potential (20.1% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $142.7M |
| Members | 10,854 (0.7% YoY) |
| Full-time staff | 30 |
| Net worth | $11.0M |
| Net worth ratio | 7.7% (p3 of band) |
| ROA (annualized) | 0.58% (p41 of band) |
| Total delinquency | 0.59% (p48 of band) |
| Net charge-offs (annualized) | 0.19% (p32 of band) |
| Loans / shares | 41% (p9 of band) |
| Cash / assets | 28.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.82% (p9 of band) |
| Operating expense / assets | 3.05% (p28 of band) |
| Vehicles % of loans | 59% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.49% (p46 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 15% |
| Average share balance | $6,594 |
| Participations bought / yr | $922,692 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.6M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,629 |
| Loans granted, annualized | $18.7M |

## Participation posture (from the same filings)

Bought $922,692 and sold $0 in the latest annualized quarter; $7.6M outstanding purchased (68.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | auto monoline |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | charge-offs p90 | net worth falling |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | members leaving |  |
| 2023-09 | 5 | delinquency rising, assets shrinking |  |
| 2023-12 | 1 |  | auto monoline, members leaving, delinquency rising, assets shrinking |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | delinquency rising | net worth falling |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-07-19 [Regina Patrick Obituary - Huntsville, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQRE9LQTlDSDhfTEFacE9qdTJKa1kzalBJbnhOclhvVzNHTkJMb21kb1hYTTN6RUdrTkFYaE5YcURJSG1JRzc2YnZ6X3VtcUFVd1drWTZHbzVINE9URWcxRGVHbnJIOEwtZ0VtUWw3RkNMWUVxeWNXa2ZRcE5mUkhQTHBHXzhkWTA?oc=5) · Dignity Memorial
- 2021-02-03 [Dianne Eubanks Obituary (1943 - 2021) - Huntsville, AL - AL.com (Huntsville) - AL.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPUl9aZS1Pbmk0N0kxdzgwQjVaWHg3RHB0WkVnUlk1Y2ZsUGFqOWhyVUNnWVlyMlg0WDRRcmRXRURDX2VXcVdWZTlNU055d095ZjFjeVFYS0lVOGI1dXBhRmg2NW9WbjlOczRjRUhZX1JzV3NTZkJPX2FGTU4tSkQtUmVxLUFqODhxeEM4d3R3?oc=5) · AL.com
- 2023-12-17 [Alta Ann Morrison Obituary Dec 17, 2023 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1IenBIS2sxY0lyb3NLZDRidWhucU1fdk1KOTVTQVNsTGJzcndwZFY1dklyb2tvZkVkV05wMUFJUjdUV0VSSkp5TVJRaF9VOVQ3eEhsYlVCYUZEa00tZWQzQ3lzTQ?oc=5) · McCullough Funeral Home
- 2015-03-04 [Business Closings & Delays/Event Cancellations: Friday, March 6 - WHNT.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPWl9rdGpqR2FOT0pGT1BjOG9XaXpzSHJ5VEQtaW5jSkNweUxFYm9FNzNsYlptUWNodWZjYURnUkx3Vi1xcnJIUkJwQjlqRUI2V2dnSmV5dnEzLUliVnlGRFA5MW4za2diV2xPcTVLVXRWU3loUDZSbDJmZlpUdjlMb0dUVDdaQlnSAYwBQVVfeXFMTnFoOU5USEhCOGFzaWVpbFdqR0dhMW5ObFZWWVZWR1BSMkwxU2dieTRfcjRjLUpHei1Qa1otb1hLSFYwTDdQTEVGTXdSUExfRUtoRk9FQkotU0ZyZVZBdk1qZU9xSndQVDdNTkVNTGdkZG5QME5YMXQ1emFiZTBWMDQ0OWRaZUtXTWt5SDY?oc=5) · WHNT.com
- 2017-03-27 [Glastonbury Couple Sues Arby's for Not Preventing Hack: Lawsuit - nbcconnecticut.com](https://news.google.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?oc=5) · nbcconnecticut.com
- 2015-04-15 [Willie Mingo Clark - AL.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNOUJVeE5DREIweTRjU24wRTllaUlla0gzRFFCdm4zeUd3QWg2MVdKN2NXOXhBeEFmZnVhMUJiYlR2eFphb1RTMlVuRmRzMmlKd0lydHQ0TnJFcXNUeHhqUFMxSXZ4Mm9xWUZuVVBzdW8xWXB5eFhnTmM2QTlKSjZlMHVEUDVxMUNZbXpUaQ?oc=5) · AL.com
- 2012-05-20 [Man In Greenside Drive Standoff Suspected In Bank, Pharmacy Robberies - WHNT.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5rRmI0cmpxcmFBNTNZczBTVTFWZ1dQc0NfS2xpa0dQeFd4MHR3UHl3Nl9YY0NmSnVNdV9SanF3ZG14bGNXa0wyRkZyNExyVWlLaERxUXhYT1ludjFTMEYtRzIyQXFxZ0hKWEZwX1BJZXJpQWpmeFHSAXtBVV95cUxPVngyeWZsWmhfU2R6aGxPOXZWRkxzWUZJZ3ZYd1RoaktwQ3k2bEpFTEwwellPM3MyNmRMeWpxSWRhdjJISGFjcjd6TVV0SUJqeWNpdWZaeWxQc3I3dzhaTmtWLVpxTk9lNHlfMVI0dy05NWJfSWdGd01hRUE?oc=5) · WHNT.com
- 2017-03-28 [Arby's 'failed to stop hackers from stealing data' - dailymail.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQU1FOSk9HcjFUbnBwZE45dHhHNjc4dEEtQTg1dEt6MkpHejU0SlpDTG5LRVBZLXF5YVFyRDJTYWZqMmMtRHZoQ1VIV2RLQ05BWEFjMVlNRmNaLXkwOEVTR3dQUGpRSGJjdC1idUNFWTdmTmstY0lXTlVsOW9najFKV2d2eEh4TFNRWWNSRWJfMy1PYzBneVZBYjdiMnBxdzR0SmxtQdIBqgFBVV95cUxNUWNTZGlPZXgzVUlvNU9xeVI4S3hGek9peUZfNFY1UzZMWjduMnExaHNCLUxMSThjbTF6cmRGb3FqQmxjRFFuamNWcVYyTlR2RU9YajU4SkU1djdhZGFFNUxqSF83U3F2ZmpwSTV6MmdfYlFFcVQ3WEtiWGpoVlhsc0EtQWR3SjhzLWxoVzM2amhxM19kZ0RGeU1xbFF6OVZpNnFWWlZLOGF4Zw?oc=5) · dailymail.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60500 (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/20.json (key "60500", 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=60500
- 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