Azalea City Credit Union


Overview / Commentary
251-316-0000
5662 Cottage Hill Rd
Mobile, AL 36609

Azalea City Credit Union is headquartered in MOBILE and is the 49th largest credit union in the state of Alabama. It is also the 2,606th largest credit union in the nation. It was established in 1954 and as of December of 2023, it had grown to 16 employees and 4,983 members at 5 locations. Azalea City Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Azalea City Credit Union is open to those who live, work, worship, or attend school in the Alabama counties of Baldwin, Clark, Mobile, or Washington.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Azalea City Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #68224
Year Chartered1954
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD8.14%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$42.5MM$34.3MM
LoansQ4 2023vs Q4 2022$27.2MM$22.9MM
DepositsQ4 2023vs Q4 2022$35.7MM$29MM
Equity CapitalQ4 2023vs Q4 2022$6.4MM$5.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$557K$316K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$780K$409K
Real Estate OwnedQ4 2023vs Q4 2022$73K$73K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Azalea City Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.53%--IRA Share Account
0.50%$100-Share Account
0.50%--Club Account

Azalea City Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Share Draft Account

Azalea City Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%--18 Month Certificate
4.25%--24 Month Certificate
4.10%--12 Month Certificate
3.80%--60 Month Certificate
3.75%--48 Month Certificate
3.50%--6 Month Certificate
3.50%--36 Month Certificate

Azalea City Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%--18 Month IRA
4.25%--24 Month IRA
4.10%--12 Month IRA
3.80%--60 Month IRA
3.75%--48 Month IRA
3.50%--6 Month IRA
3.50%--36 Month IRA
Locations


Azalea City Credit Union Locations
Branch Office5662 Cottage Hill RdMOBILE, AL 36609
Branch Office5662 COTTAGE HILL RDMOBILE, AL 36609
Branch Office106 CARTER DRGROVE HILL, AL 36451
Branch Office22116 HWY 43 NCALVERT, AL 36513
Branch Office1065 SPRING HILL AVEMOBILE, AL 36604

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