RANKING ·
Highest net interest margin in Alabama
36 of 88 credit unions in Alabama that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin on average assets | Total assets |
|---|---|---|---|---|
| 1 | Four Seasons Federal Credit Union | Opelika, AL | 4.82% | $104 million |
| 2 | Heritage South Credit Union | Sylacauga, AL | 4.32% | $184 million |
| 3 | All in Federal Credit Union | Daleville, AL | 4.18% | $3.7 billion |
| 4 | Guardian Credit Union | Prattville, AL | 4.10% | $1.3 billion |
| 5 | Coosa Pines Federal Credit Union | Childersburg, AL | 4.10% | $421 million |
| 6 | Naheola Credit Union | Pennington, AL | 4.01% | $220 million |
| 7 | Family Savings Credit Union | Rainbow City, AL | 4.00% | $1.2 billion |
| 8 | Alabama State Employees Credit Union | Montgomery, AL | 3.90% | $471 million |
| 9 | Alabama Central Credit Union | Birmingham, AL | 3.90% | $214 million |
| 10 | Aod Federal Credit Union | Bynum, AL | 3.82% | $467 million |
| 11 | Listerhill Credit Union | Sheffield, AL | 3.79% | $1.5 billion |
| 12 | New Horizons Credit Union | Mobile, AL | 3.78% | $304 million |
| 13 | Redstone Federal Credit Union | Huntsville, AL | 3.73% | $8.6 billion |
| 14 | America'S First Federal Credit Union | Birmingham, AL | 3.70% | $2.8 billion |
| 15 | Alatrust Credit Union | Hoover, AL | 3.67% | $224 million |
| 16 | Emblem Credit Union | Gadsden, AL | 3.60% | $628 million |
| 17 | Five Star Credit Union | Dothan, AL | 3.59% | $1.3 billion |
| 18 | Avadian Credit Union | Birmingham, AL | 3.59% | $1.4 billion |
| 19 | Acipco Federal Credit Union | Birmingham, AL | 3.58% | $221 million |
| 20 | Mutual Savings Credit Union | Birmingham, AL | 3.46% | $243 million |
| 21 | Family Security Credit Union | Decatur, AL | 3.46% | $1.1 billion |
| 22 | Legacy Community Federal Credit Union | Birmingham, AL | 3.39% | $727 million |
| 23 | Winsouth Credit Union | Gadsden, AL | 3.36% | $479 million |
| 24 | Mobile Educators Credit Union | Mobile, AL | 3.33% | $113 million |
| 25 | Eco Credit Union | Birmingham, AL | 3.24% | $195 million |
| 26 | Fort Mcclellan Credit Union | Anniston, AL | 3.22% | $224 million |
| 27 | Max Credit Union | Montgomery, AL | 3.22% | $2.4 billion |
| 28 | Valley Credit Union | Tuscumbia, AL | 3.19% | $113 million |
| 29 | Auburn University Credit Union | Auburn, AL | 3.17% | $268 million |
| 30 | North Alabama Educators Credit Union | Huntsville, AL | 3.09% | $143 million |
| 31 | Alabama One Credit Union | Tuscaloosa, AL | 2.97% | $1.5 billion |
| 32 | Alabama Credit Union | Tuscaloosa, AL | 2.69% | $2.1 billion |
| 33 | Tva Community Credit Union | Muscle Shoals, AL | 2.68% | $429 million |
| 34 | Riverfall Credit Union | Tuscaloosa, AL | 2.66% | $194 million |
| 35 | Railroad Credit Union | Irondale, AL | 2.17% | $101 million |
| 36 | Southern Energy Credit Union | Birmingham, AL | 1.29% | $3.6 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings