# ALATRUST
HOOVER, AL · NCUA charter 60934 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alatrust-60934

Who the members are: state charter, organized 1935, low-income designated. 13,358 members of 100,000 potential (13.4% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 133.

**Verdict on the desk:** this could be *fortress*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $219.5M |
| Members | 13,358 (1.8% YoY) |
| Full-time staff | 35 |
| Net worth | $30.5M |
| Net worth ratio | 13.9% (p81 of band) |
| ROA (annualized) | 1.18% (p80 of band) |
| Total delinquency | 1.93% (p96 of band) |
| Net charge-offs (annualized) | 0.17% (p24 of band) |
| Loans / shares | 63% (p26 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p49 of band) |
| Operating expense / assets | 3.03% (p24 of band) |
| Vehicles % of loans | 27% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 119% (p63 of band) |
| Vehicle delinquency | 0.84% (p68 of band) |
| Vehicle NCO | 0.48% (p41 of band) |
| Repossessed % of vehicle book | 0.01% (p51 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 29% |
| Average share balance | $8,222 |
| Participations bought / yr | $16.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $13.3M |
| Loans outstanding per 100 members | 133% |
| Loans granted per 100 members, annualized | 119% |
| Average loan balance | $6,856 |
| Loans granted, annualized | $51.4M |

## Participation posture (from the same filings)

Bought $16.0M and sold $0 in the latest annualized quarter; $13.3M outstanding purchased (43.7% of net worth), $2.1M sold and retained. Sold in 1 and bought in 5 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2017-09 | 2 | delinquency 2x band | net worth falling |
| 2017-12 | 0 |  | members leaving, delinquency 2x band |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | members leaving |  |
| 2019-09 | 0 |  | members leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | delinquency 2x band, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | leaning on borrowings |  |
| 2024-03 | 1 | net worth falling | leaning on borrowings |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, 3rd-party paper>100% NW |  |

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

- 2026-02-03 [How this Local Credit Union Helps You Save for a Rainy Day - Bham Now](https://news.google.com/rss/articles/CBMimgFBVV95cUxOaVM2ci0wcHlYWWg5WTJ1MHF0TXprWlc3S3U3QTZpcXE2ZVFhRVZZMTZjWGFvalRtNktxSjlJUVlTZF9qdGhQY2tXZ0tmc1BLbm1ZMF9BdUdrT25tcFFBMVN4aFpwcng1bjJ5NEpDSDdwNjEyVWp5UDVBNjA2UHNfZU5DQk1GV3R5UkFfTFVpZ093QW5QSV9lZDBB?oc=5) · Bham Now
- 2026-04-23 [Samford Athletics Holds Inaugural Gala - Samford University Athletics](https://news.google.com/rss/articles/CBMingFBVV95cUxNdldreERsdUR1dktxOEZreGhWU0RMenNMY2NxbEZRZ0ZnWkVxSjJyakxnUllSY2JCQjR4MWVWTGVrNzR1NmFGdUZKWlFlaTNVZTRBQ2pKZDZlQUZoYlo0MDd5WWNiU0RzZ3N2SmVaTGM5V0xudGl6cnVldW5SejFkQzE1ZVhNOUZ1V1VINGl4U0JESXJJdXFoVHR6aVh6QQ?oc=5) · Samford University Athletics
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Alabama - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQmVZc2dvS3dXQkpiX250UWRzYnBjSGF5ZDRLMUwtMEtGQ0hTODRZX0tFblFOOGpZb3kyWkZheHFlR19GRVFMal85UElvTjQyXzVCSlZ0ZmZBZUZiUm5lV19MRWFjRE5DNkdSeFZqV2REaUNPRXZaRVN4Nk9RcThkNHZhTGF6eXp0OThkejVn?oc=5) · Newsweek Rankings
- 2022-02-16 [Three Credit Unions Name New CEOs - cutoday.info](https://news.google.com/rss/articles/CBMie0FVX3lxTE9FNWtrT2tlWGMxV1JRQ2w1Y3pPT3JQSFhCYjBHWVlUZ2E0T0FqOXJRZDVVbnlENXhWbjE3SXJQVzd0VzVqWXo4eEYyakhlRWdjbHlsRk1nNTVpM21hWlUwdVBsMXpEVm40Ml9jb2c0cDVUU05sQy11QVB4cw?oc=5) · cutoday.info
- 2026-04-03 [Childersburg’s Shakira Harrison among AlaTrust4U Foundation scholarship recipients - Sylacauga News](https://news.google.com/rss/articles/CBMiugFBVV95cUxObVJCdHhidS1FcUlWYXFZMWxFY2NYZkpjNzR3MHZ1T21vdFZGY1pnLVdLbWdBc01nc3FHUjVRMkZEY1dSUlF0QUpKMEd6TVhKVjFsYlJHdTdmd0NmU0RjbVlMSFlWSU9sa01DbDF5TDhfUWp3UUJUbFZkbHFPRktzNjBhalUwR0lIMHJUMVhWNmNUN0dQQVdzRUV0aGU5VkREeFU2R01ITzg0RV9YSmFqc2hBX0paTGM0WUE?oc=5) · Sylacauga News
- 2022-01-07 [Leeds man gets 10 years in prison for robbing pharmacy, credit union of drugs, cash - AL.com](https://news.google.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?oc=5) · AL.com
- 2026-04-21 [Upgrading your Birmingham home is easier + more affordable than you think - Bham Now](https://news.google.com/rss/articles/CBMib0FVX3lxTFB0WWpiUjlVOVJNU3RxSzVnY1BKMnYwQ2pyMmFSYmNBOFJnM3VxTUpYQlRtNVJJb3RQZ3dhNktMb1ZXTUVsSzNoNEVaSnVhb2t5UnlSWXlLdDFTUjhHR0JSUUFob3Z5SkY5aTVCOTlnbw?oc=5) · Bham Now
- 2018-04-17 [Apple Pay expands across US, Canada, Italy, Spain, and China - 9to5Mac](https://news.google.com/rss/articles/CBMieEFVX3lxTE1WbnNfVlpEUmpzZnYxeldvYVh3VTVYUjFtWEgzYVRnX2V6b3ppMlNVbXpwWC1IZVNwM0dGam1YLTFqbUpJby1PeVdCUnpvcEVya0wyU0t6OGJkc2Q0eEpTbGZWemZEb1JVZDh5R3d6aXBNdk5ieUVEMA?oc=5) · 9to5Mac

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60934 (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/6.json (key "60934", 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=60934
- 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