Credit union · NCUA insured
USA Federal Credit Union
A $56.7M credit union headquartered in Mobile, AL, with 8,374 members and 1 branch in Alabama. Best rates: CDs 2.00% APY.
USA Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#16 of 28 in Mobile, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USA Federal Credit Union
Founded in 1963 by the Alabama Legislature, the University of South Alabama is located in Mobile, Alabama.
Established to improve access to higher education in southwest Alabama, the institution serves as a comprehensive university and catalyst for transformational change across the region.
- Headquarters
- 103 Hillcrest Rd, Mobile, AL 36608
- NCUA charter
- 13659
Branches
1 branch in Alabama
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Alabama
1 branch
- Main OfficeMain office103 Hillcrest Rd, Mobile, AL 36608Directions
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 | 16.45% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.49% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.47% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $51 | $59 | — |
- CapitalNet worth ratio16.45%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.49%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.47%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$51Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 USA Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.