# ALABAMA ONE
Tuscaloosa, AL · NCUA charter 68595 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alabama-one-68595

Who the members are: state charter, organized 1951, low-income designated. 97,352 members of 3,100,000 potential (3.1% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.51B |
| Members | 97,352 (2.9% YoY) |
| Full-time staff | 330 |
| Net worth | $135.6M |
| Net worth ratio | 9.0% (p13 of band) |
| ROA (annualized) | 0.54% (p35 of band) |
| Total delinquency | 0.68% (p57 of band) |
| Net charge-offs (annualized) | 0.19% (p14 of band) |
| Loans / shares | 79% (p30 of band) |
| Cash / assets | 14.2% |
| Borrowings / assets | 2.65% |
| Net interest margin | 2.78% (p18 of band) |
| Operating expense / assets | 3.58% (p69 of band) |
| Vehicles % of loans | 20% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.88% (p72 of band) |
| Vehicle NCO | 0.45% (p14 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 263% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 37% |
| Average share balance | $7,273 |
| Participations bought / yr | $32.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $92.0M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,142 |
| Loans granted, annualized | $324.2M |

## Participation posture (from the same filings)

Bought $32.0M and sold $0 in the latest annualized quarter; $92.0M outstanding purchased (67.8% of net worth), $3.4M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 8.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | losing money |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | losing money, net worth falling |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 1 |  | thin capital |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency 2x band |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | thin capital |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-12 | 0 |  | thin capital, delinquency 2x band, delinquency rising |
| 2022-03 | 0 |  |  |
| 2022-06 | 4 | thin capital, net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-09 | 1 |  | thin capital, net worth falling, delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 | expense trap | delinquency 2x band, delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | leaning on borrowings |  |
| 2023-12 | 1 | thin capital | expense trap, leaning on borrowings |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | thin capital |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 2 | thin capital |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## 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
- 2026-02-18 [Alabama ONE Credit Union Acquires Peoples Independent Bank - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxQczUzdmZjLXhSb0xoYjlUUnZpUk5HUzByQ0pjaHRKNm1BNkYtaEU4OE1XeUVOSmktRGxYVFhUbmYtbFFZdlhtM1FLcmo3OS1SMG5ZLXd2dFdmYVhSQlg0bXE3UmtlZE9pN3NzZEdsZ0cxZENVa1pmSGJhd2pvRnU0WGNFYnVTMzZnLThMbEZfTGozWUw1VGxVNzA5Zw?oc=5) · Patch
- 2026-06-03 [Alabama ONE Celebrates 75 Years with Southside Branch Grand Opening - weisradio.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQeFhkSkZ0UFVTS3dHenNseGo0eGV6ZzY5VHBZVHNGNmxVeXIxRWxNdEotNmZZMnZRT0oxN20yWUhoSXBQQTF2WGFXWGtIbTJ4eVlwVkFIYVByZS12dndzdEI1VF9sYWRJWXVQdlhjdV91UWRTUlpFX2ZMbnNpSVo4TlR1UlEwaXZuSGU1M19QbV9fUTV4bTkzaWU2cW9mbV93QnVz?oc=5) · weisradio.com
- 2025-11-20 [Alabama ONE Credit Union Announces Several Leadership Appointments - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVmNPczZjUkdETHVCV2RPYmUwMFFiQ2RscnkxSHhoVk5mSTlCZkZ4cEhDNi1YUzdFVDNWLU1OX2djRHFiWFRvNVdQdnJ6ei16MlRfWTB1R244b3hPUjJLRDhaUWhmT2hYSXFuQV9zYkJoMm1jMV9Wd1I4VERHbWVfaWQyRFBlUmtOZjVnNVAtTm5IWXNxNy1Mc1lJVHlSN3NWYlRnNTdR?oc=5) · Patch
- 2021-12-28 [Alabama One emerges back from the brink - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE1IazUydmNPRUNVOWwydkhDczFhM1JiNkpnTk9DeXUtV20tN19fbTJRd0VpSHllWUdrMWxXcTZhNl85RC11UXRPZjdNRkNMc2JmLTRyREJWQk9ZalN1b01vRHA5VXpOTHhVSlY2RkFkeXNfTXpxcjdJ?oc=5) · Business Alabama Magazine
- 2024-11-07 [Alabama One Credit Union gets new CEO & Executive Leadership Team - wvua23.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNa0pyZkhpcTAxcHZNR2xfcS1ZaXVQcnNKdFBDY3oxSE0zeHA1Zk40NFd4c3luTm51VWVhdTgzUUUtRU1BWGFFNl9CMVc2TFd2RTcxWUEtZ0NmWWdsT2tQZGlEYTRMS3RtaTlqS20wbTF5UDByTk9rUU5oYXYtaVE4ZW1reXNfVWdpTlFJX3IxZlFLQnVTVF9fNzRzNDVQWm9YS1ZqOTR0NDNiZmtwcWJaVTVFc1E3a2NfQXpDLUZHQ2JzRmpuM3BuaU9wYzQ2dlcxNHVuNXQxX1BDbzVHaFpsXw?oc=5) · wvua23.com
- 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
- 2023-02-17 [Alabama One credit union's new mural symbolizes Alberta's post-2011 rebirth - The Tuscaloosa News](https://news.google.com/rss/articles/CBMizwFBVV95cUxOUU51Smc0ejU0Q01NWUprdERqeE1NTGV1bkU2YXkzaWxKTUFIcHdrak05cUpCSXpSLUlicDZlNWlxM3RSWGJuUnFLemJjd2QyUV94cms0cThyQ01oY096WlphdndaM2ItN1VVaXBoVXhZaUMyc1l1U1JZTjVKSVItd3hyenltVVdBaG1mTHJEQWs0OEhmbExtYm9UZGxkRTVkRVBDUjQzNWRqMF9Cbno4akk5MEg3RTBmeHBOYUhFUTZ5ZEczRTNiSWpQc3otYVk?oc=5) · The Tuscaloosa News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68595 (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/51.json (key "68595", 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=68595
- 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