# TUSCALOOSA COUNTY
TUSCALOOSA, AL · NCUA charter 64464 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tuscaloosa-county-64464

Who the members are: state charter, organized 1959, low-income designated, minority depository institution. 1,277 members of 3,000 potential (42.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.0M |
| Members | 1,277 (-10.6% YoY) |
| Full-time staff | 2 |
| Net worth | $445,537 |
| Net worth ratio | 3.7% (p0 of band) |
| ROA (annualized) | -1.97% (p4 of band) |
| Total delinquency | 2.41% (p83 of band) |
| Net charge-offs (annualized) | 0.12% (p46 of band) |
| Loans / shares | 85% (p78 of band) |
| Cash / assets | 38.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.31% (p43 of band) |
| Operating expense / assets | 6.07% (p92 of band) |
| Vehicles % of loans | 71% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.88% (p87 of band) |
| Vehicle NCO | 1.25% (p92 of band) |
| Repossessed % of vehicle book | 0.78% (p98 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 13% |
| Average share balance | $3,766 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $8,627 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 3 | repo signal |  |
| 2016-09 | 2 |  | repo signal |
| 2016-12 | 0 |  | thin capital, charge-offs p90 |
| 2017-03 | 2 | expense trap, delinquency 2x band |  |
| 2017-06 | 2 | delinquency rising | expense trap |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | auto monoline |  |
| 2018-12 | 3 | delinquency 2x band, members leaving |  |
| 2019-03 | 3 | delinquency rising | members leaving |
| 2019-06 | 5 | net worth falling, losing money |  |
| 2019-09 | 4 | thin capital | delinquency 2x band, delinquency rising |
| 2019-12 | 5 | charge-offs p90 |  |
| 2020-03 | 4 | members leaving | losing money, charge-offs p90 |
| 2020-06 | 6 | capital below 7%, losing money | members leaving |
| 2020-09 | 6 | delinquency 2x band | net worth falling |
| 2020-12 | 6 | members leaving | delinquency 2x band |
| 2021-03 | 7 | delinquency 2x band, loan book shrinking | losing money |
| 2021-06 | 6 | delinquency rising | members leaving, loan book shrinking |
| 2021-09 | 6 | members leaving, loan book shrinking | delinquency 2x band, delinquency rising |
| 2021-12 | 4 |  | members leaving, loan book shrinking |
| 2022-03 | 5 | net worth falling |  |
| 2022-06 | 2 |  | capital below 7%, net worth falling |
| 2022-09 | 6 | capital below 7%, delinquency 2x band, delinquency rising |  |
| 2022-12 | 8 | net worth falling, losing money, repo signal | delinquency 2x band |
| 2023-03 | 7 |  | delinquency rising |
| 2023-06 | 10 | margin squeeze, delinquency 2x band, delinquency rising, members leaving | net worth falling |
| 2023-09 | 7 | expense trap | margin squeeze, delinquency 2x band, delinquency rising, members leaving |
| 2023-12 | 11 | net worth falling, delinquency 2x band, delinquency rising, members leaving |  |

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

- 2024-03-04 [Small Local Outfit Merges with Tuscaloosa’s Alabama Credit Union After 65 Years - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMiggFBVV95cUxQc1NxMjZSYm9waXYwd3hqNVdZOGw3UnU5ZVlOMWN0OXJoZEJvNE9KNGh4TlVMMG81SV93cV9VVEtzNVVRdUI5aFZJN1NDdnY3VXdQaWNmd0pvUy1VamE2VWlkZEFCOWhrREdKQ2xOTzdzcWpLWm5fSDRyUkhSbnR0Z2NB?oc=5) · Tuscaloosa Thread
- 2026-01-24 [Tuscaloosa County Sheriff Ron Abernathy Unopposed In Re-Election Bid - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxNbTBVRmZzYWZ5Y3VGaFRRQ2wxeXhWWEV2a2tzMk9kTHF0bFpCSmtXNmRvS2ZSMlRfaTJvbHlhQ1hlY3BQa1EwQ2ZXd1ZwRFJzMjBPeTRkYkNZMVNGQkphWjltTzNneG5PTDZYc2JQczRXa2l1SDUyY1lHZkJGbEZEQlRYVGpseEw5enNQY1dSZWZRRVpULTF2aGtUOWhxWEExZGo0Sg?oc=5) · Patch
- 2012-09-27 [Northern District of Alabama - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNUDdWcjJ0TS1IM3RwbjJHdmZfRGJBLW45M0ZYWEk1WURsWnFGclhTckVoOElEcmNmY0tkdHRSdm51Q2RqOGlGMkxENjhCcDhwOEJ6dGE3TVF2MjlQY2pNZ0ZZbTBvMFdIaEFsM09tUzQ2dVlfRW9TdEF3U192RS1aSVYtdUdhaGdSOTRRc25HX0Q4RWRNNWVKZkFCczJoR3pYeWtpVzJOSnd6VHF2VUVqc1ZxaFdLcWFSaUc2NXJTVWdmT01FQlRlR2ZRQWUwREVW?oc=5) · Department of Justice (.gov)
- 2023-11-16 [Merger Update Part III: Lost Sponsors, Legacy Systems and a $1 Million Payout to 5 Top Execs - cutoday.info](https://news.google.com/rss/articles/CBMixAFBVV95cUxPc1F2SkFQRTY5Nko3aTc2NEQyT1hMRXJtdVdQU0tjS2JFV1hBb3NEQVNoUk92Nm5VMFZNTFVzZ2JkcFBCQXNvUXQwaDZ2QlRyaE1IdHhHY0dwbFRlNjk3QXZRcUc2NHl0ODJ5ODdGZTBWbjU4Y0EzdGhHYTBRdno0WUF3LV8wemFhRUkzcXhMX1RqbnAtcFdock9kN0IwUk5lT3I4bHdnRzJqU01NV285ZGxhN3F4REtZRVFZRnYxTmw4NC1i?oc=5) · cutoday.info
- 2022-10-15 [STEPHANY WALKER UPTON - AL.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUUVyRXJvT0cwYU54a1B0VWotQ0R4aTJGM1YtRFFQYUFFYzYyTlVJcjBTcjdPc3p5ZWR4bVJPZHdkVVFsNGJ4b1l6TjNVUW10SnVsV1gtQmxRR3pWaWN6RWQ3VVhCMnBJcExzT3NpM3Z2UV9vclc3SUxYcUlyWVdtMmN5LVZTQlhRbjFDaVExSQ?oc=5) · AL.com
- 2025-08-25 [Leadership Tuscaloosa has its 2025-26 class of emerging leaders - wvua23.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQTXNVOTVvZmNBdWF1dnpMNDc3a0xFdGZRUjRhZHR0V0FlNkZESnZ2cDNYVXFuTE9EWmh6Rko1MTJ4MzhTM2VyZHFlWVRqY19reEJqMHFNMUx4ejBLSVM5LUw1YnZOd3Z3c0FpNnlyaUI3dE9kUi1DWkpNZEt1Vy1qeXlJdk52c2wzLWlwRWFINXRVQ0gtNE9OdnJpdXJNOWZlVjRwb19QUU9BcGd5cE1USDByc2hBemgyODUtMUcxdmwzSS1nX0pKaEZicEJhTlVZV1JPb2h4d2c?oc=5) · wvua23.com
- 2014-03-14 [Suspensions lifted for three of four officials at Alabama One Credit Union - The Tuscaloosa News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQZmRzZFNianA4SGVldWpSSHhnaFNLYmZ2QWl4YWRZVTlVUl9mdTBhYkdFNjVGU3ZNMFJTeW5oM2dfVnNqLU9rSXZMbEUwZ212UXhreWhEY2l2ZWRXRzdGMzFYSmM0bU9NamtvQ3ZhTUx3YW11UVpFb2FKaWlsZm9aRDF6anlrbzl2aTVFQXdWNUpFRlE5Q3BwS09JZm1CbVpNRHliOTVCc0t3bTlDal9JTEQwTUE2bkJnRVh2Sm5WOHBOUndOcmZ2azdsMVlPVlI3T2JmNm45Zw?oc=5) · The Tuscaloosa News
- 2023-01-31 [West Alabama Food Bank Receives Donation Of Nearly $70K For Secret Meals Program - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRjJJM3J5cDRMODRSRHpLTkphblB5RjZvVk82X1NuMFp4UUN5WVRQbG5jSC1Gcm1hVzZGc1pRdnpEVEQ4bUdCTTFMTkNHYTRPOWt1V2I5WGJIdUVsamxCakRjRi1IdmFZWERtZjRncnNraFFYd29saldmRzBHS2Y5ampWeVcwcUtzeERJVXJudUpVZw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64464 (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/16.json (key "64464", 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=64464
- 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