RANKING ·
Lowest efficiency ratio 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 and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Acipco Federal Credit Union | Birmingham, AL | 44.6% | $221 million |
| 2 | All in Federal Credit Union | Daleville, AL | 50.6% | $3.7 billion |
| 3 | Family Security Credit Union | Decatur, AL | 53.6% | $1.1 billion |
| 4 | Coosa Pines Federal Credit Union | Childersburg, AL | 54.9% | $421 million |
| 5 | Naheola Credit Union | Pennington, AL | 55.3% | $220 million |
| 6 | Tva Community Credit Union | Muscle Shoals, AL | 58.6% | $429 million |
| 7 | Mobile Educators Credit Union | Mobile, AL | 60.3% | $113 million |
| 8 | America'S First Federal Credit Union | Birmingham, AL | 60.3% | $2.8 billion |
| 9 | Max Credit Union | Montgomery, AL | 63.2% | $2.4 billion |
| 10 | Alatrust Credit Union | Hoover, AL | 65.7% | $224 million |
| 11 | Redstone Federal Credit Union | Huntsville, AL | 65.8% | $8.6 billion |
| 12 | Guardian Credit Union | Prattville, AL | 66.1% | $1.3 billion |
| 13 | Southern Energy Credit Union | Birmingham, AL | 67.7% | $3.6 billion |
| 14 | Railroad Credit Union | Irondale, AL | 68.1% | $101 million |
| 15 | Aod Federal Credit Union | Bynum, AL | 69.2% | $467 million |
| 16 | Legacy Community Federal Credit Union | Birmingham, AL | 70.6% | $727 million |
| 17 | Five Star Credit Union | Dothan, AL | 72.1% | $1.3 billion |
| 18 | Four Seasons Federal Credit Union | Opelika, AL | 72.6% | $104 million |
| 19 | Emblem Credit Union | Gadsden, AL | 72.8% | $628 million |
| 20 | Avadian Credit Union | Birmingham, AL | 73.9% | $1.4 billion |
| 21 | Eco Credit Union | Birmingham, AL | 76.3% | $195 million |
| 22 | Winsouth Credit Union | Gadsden, AL | 76.8% | $479 million |
| 23 | Alabama Central Credit Union | Birmingham, AL | 76.9% | $214 million |
| 24 | Alabama State Employees Credit Union | Montgomery, AL | 77.5% | $471 million |
| 25 | Auburn University Credit Union | Auburn, AL | 77.8% | $268 million |
| 26 | North Alabama Educators Credit Union | Huntsville, AL | 77.9% | $143 million |
| 27 | Alabama Credit Union | Tuscaloosa, AL | 77.9% | $2.1 billion |
| 28 | Heritage South Credit Union | Sylacauga, AL | 78.8% | $184 million |
| 29 | Listerhill Credit Union | Sheffield, AL | 79.2% | $1.5 billion |
| 30 | New Horizons Credit Union | Mobile, AL | 80.2% | $304 million |
| 31 | Alabama One Credit Union | Tuscaloosa, AL | 80.9% | $1.5 billion |
| 32 | Valley Credit Union | Tuscumbia, AL | 82.4% | $113 million |
| 33 | Family Savings Credit Union | Rainbow City, AL | 85.5% | $1.2 billion |
| 34 | Riverfall Credit Union | Tuscaloosa, AL | 86.0% | $194 million |
| 35 | Mutual Savings Credit Union | Birmingham, AL | 90.2% | $243 million |
| 36 | Fort Mcclellan Credit Union | Anniston, AL | 91.3% | $224 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings