Credit union · NCUA insured
AlaTrust Credit Union
A $219.5M credit union headquartered in Hoover, AL, with 13,358 members and 6 branches in Alabama. Best rates: CDs 3.75% and savings 0.85% APY.
AlaTrust Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#21 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AlaTrust Credit Union
- Headquarters
- 1810 Merchants Dr, Hoover, AL 35244-1005
- NCUA charter
- 60934
Branches
6 branches in Alabama
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Alabama
6 branches
Birmingham area · 3
- Main OfficeMain office1810 Merchants Dr, Hoover, AL 35244Directions
- Birmingham Branch1694 Montclair Rd, Irondale, AL 35210Directions
- Jasper Branch400 7th Ave, Jasper, AL 35501Directions
Anniston area · 2
- Anniston Branch1216 Wilmer Ave, Anniston, AL 36201Directions
- Jacksonville Branch1001 Jd and L Dr SW, Jacksonville, AL 36265Directions
Talladega area · 1
- Talladega Branch301 North St W, Talladega, AL 35160Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio13.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of AlaTrust Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.