Montgomery, Alabama · Peer group 5
Alabama State Employees Credit Union
Alabama State Employees Credit Union holds $460.9M in assets across 39,014 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1954. Charter number 64598, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $460.9M |
|---|---|
| Total loans | $241.8M |
| Total shares (deposits) | $408.1M |
| Net worth | $54.6M |
| Members | 39,014 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 9.5% | |
|---|---|---|
| Loans | -8.6% | lower than 96% of its peer group |
| Deposits | 9.4% | higher than 91% of its peer group |
| Members | -4.9% | around the 11th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 59.3% | around the 26th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.8% | around the 55th percentile of its peer group |
| Return on assets | 0.72% | around the 52nd percentile of its peer group |
| Delinquency ratio | 0.29% | around the 21st percentile of its peer group |
| Cash / assets | 14.7% | around the 79th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Alabama State Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- Aod Credit Union
Bynum, AL
$462.0M · 37,753 members
- Winsouth Credit Union
GADSDEN, AL
$468.9M · 35,752 members
- TVA Community Credit Union
MUSCLE SHOALS, AL
$424.4M · 20,008 members
- Coosa Pines Credit Union
Childersburg, AL
$413.6M · 25,798 members
- Emblem Credit Union
GADSDEN, AL
$619.2M · 29,577 members
- New Horizons Credit Union
MOBILE, AL
$296.2M · 23,513 members
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