Overview / Commentary
Azalea City Credit Union is headquartered in MOBILE and is the 53rd largest credit union in the state of Alabama. It is also the 3,034th largest credit union in the nation. It was established in 1954 and as of March of 2019, it had grown to 12 employees and 3,617 members at 3 locations. Azalea City Credit Union's CD rates are 2X the national average, and it has a B health rating.
Field of Membership Restrictions
Azalea City CU is open to anyone who resides, works, or worships in Mobile, Baldwin, Washington or Clark counties or the surrounding areas.
See current membership details
Health
B
Data as of Q1 2019
Learn why bank health mattersAdditional 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 Chartered | 1954 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.19% |
| Return on Equity - YTD | 8.87% |
| Annual Interest Income | $384.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $26.9MM$28.1MM |
| Loans | Q1 2019vs Q1 2018 | $18.9MM$19.8MM |
| Deposits | Q1 2019vs Q1 2018 | $23.1MM$24.0MM |
| Equity Capital | Q1 2019vs Q1 2018 | $3.7MM$4.1MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $647.00K$394.00K |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $606.00K$906.00K |
| Real Estate Owned | Q1 2019vs Q1 2018 | $12.00K$35.00K |
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Azalea City Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | - | - | IRA Share Account | |
| 0.13% | - | - | Share Account | |
| 0.13% | - | - | Club Account |
Azalea City Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.08% | - | - | Share Draft Account |
Azalea City Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | - | - | 60 Month CD | |
| 2.60% | - | - | 48 Month CD | |
| 2.50% | - | - | 36 Month CD | |
| 2.20% | - | - | 24 Month CD | |
| 2.10% | - | - | 18 Month CD | |
| 2.00% | - | - | 12 Month CD | |
| 1.00% | - | - | 6 Month CD |
Azalea City Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | - | - | 60 Month IRA | |
| 2.60% | - | - | 48 Month IRA | |
| 2.50% | - | - | 36 Month IRA | |
| 2.20% | - | - | 24 Month IRA | |
| 2.10% | - | - | 18 Month IRA | |
| 2.00% | - | - | 12 Month IRA | |
| 1.00% | - | - | 6 Month IRA |
Locations
| Azalea City Credit Union Locations | ||
|---|---|---|
| Branch Office | 5662 Cottage Hill Rd | MOBILE, AL 36609 |
| Branch Office | 22116 HIGHWAY 43 | CALVERT, AL 36513 |
| Branch Office | 1708 DAUPHIN ST | MOBILE, AL 36604 |