RANKING ·
Largest net interest margin improvement in Alabama
35 of 88 credit unions in Alabama that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Railroad Credit Union | Irondale, AL | +67 bps | $101 million |
| 2 | Legacy Community Federal Credit Union | Birmingham, AL | +53 bps | $727 million |
| 3 | Five Star Credit Union | Dothan, AL | +45 bps | $1.3 billion |
| 4 | Fort Mcclellan Credit Union | Anniston, AL | +40 bps | $224 million |
| 5 | Alabama One Credit Union | Tuscaloosa, AL | +40 bps | $1.5 billion |
| 6 | North Alabama Educators Credit Union | Huntsville, AL | +36 bps | $143 million |
| 7 | All in Federal Credit Union | Daleville, AL | +36 bps | $3.7 billion |
| 8 | Listerhill Credit Union | Sheffield, AL | +32 bps | $1.5 billion |
| 9 | Emblem Credit Union | Gadsden, AL | +32 bps | $628 million |
| 10 | Eco Credit Union | Birmingham, AL | +30 bps | $195 million |
| 11 | Mobile Educators Credit Union | Mobile, AL | +29 bps | $113 million |
| 12 | Mutual Savings Credit Union | Birmingham, AL | +28 bps | $243 million |
| 13 | Valley Credit Union | Tuscumbia, AL | +26 bps | $113 million |
| 14 | New Horizons Credit Union | Mobile, AL | +25 bps | $304 million |
| 15 | Acipco Federal Credit Union | Birmingham, AL | +25 bps | $221 million |
| 16 | Family Savings Credit Union | Rainbow City, AL | +24 bps | $1.2 billion |
| 17 | Riverfall Credit Union | Tuscaloosa, AL | +21 bps | $194 million |
| 18 | Alatrust Credit Union | Hoover, AL | +20 bps | $224 million |
| 19 | Naheola Credit Union | Pennington, AL | +19 bps | $220 million |
| 20 | America'S First Federal Credit Union | Birmingham, AL | +15 bps | $2.8 billion |
| 21 | Auburn University Credit Union | Auburn, AL | +15 bps | $268 million |
| 22 | Redstone Federal Credit Union | Huntsville, AL | +14 bps | $8.6 billion |
| 23 | Avadian Credit Union | Birmingham, AL | +10 bps | $1.4 billion |
| 24 | Southern Energy Credit Union | Birmingham, AL | +10 bps | $3.6 billion |
| 25 | Alabama Credit Union | Tuscaloosa, AL | +8 bps | $2.1 billion |
| 26 | Alabama Central Credit Union | Birmingham, AL | +3 bps | $214 million |
| 27 | Family Security Credit Union | Decatur, AL | +2 bps | $1.1 billion |
| 28 | Coosa Pines Federal Credit Union | Childersburg, AL | -7 bps | $421 million |
| 29 | Tva Community Credit Union | Muscle Shoals, AL | -8 bps | $429 million |
| 30 | Max Credit Union | Montgomery, AL | -9 bps | $2.4 billion |
| 31 | Four Seasons Federal Credit Union | Opelika, AL | -14 bps | $104 million |
| 32 | Heritage South Credit Union | Sylacauga, AL | -15 bps | $184 million |
| 33 | Guardian Credit Union | Prattville, AL | -17 bps | $1.3 billion |
| 34 | Aod Federal Credit Union | Bynum, AL | -20 bps | $467 million |
| 35 | Alabama State Employees Credit Union | Montgomery, AL | -30 bps | $471 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings