Credit union · NCUA insured
North Alabama Educators Credit Union
A $142.7M credit union headquartered in Huntsville, AL, with 10,854 members and 4 branches in Alabama. Best rates: CDs 4.06% and savings 1.51% APY.
North Alabama Educators Credit Union Carrot Score
84
Carrot Score
Higher than 68% of U.S. banks and credit unions
#7 of 20 in Huntsville, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About North Alabama Educators Credit Union
- Headquarters
- 2309 Whitesburg Dr SE, Huntsville, AL 35801-3819
- NCUA charter
- 60500
Branches
4 branches in Alabama
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Alabama
4 branches
- Main OfficeMain office2309 Whitesburg Dr SE, Huntsville, AL 35801Directions
- Athens Branch107 US Highway 31 S, Athens, AL 35611Directions
- Sparkman Branch2100 Sparkman Dr NW, Huntsville, AL 35810Directions
- Madison Branch7559 Highway 72 W Ste 114, Madison, AL 35758Directions
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 | 8.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.67% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $42 | $76 | — |
- CapitalNet worth ratio8.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$42Peers’ 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 North Alabama Educators Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.