Overview / Commentary
103 Mangum St
Florence, AL 35630

Lauderdale County Teachers Credit Union is headquartered in Florence and is the 51st largest credit union in the state of Alabama. It is also the 2,898th largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 4 employees and 2,557 members at 1 location. Lauderdale County Teachers Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Lauderdale County Board of Education, Mars Hill Bible School, Heritage Christian University, Shoals Christian School.
See current membership details


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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. Lauderdale County Teachers Credit Union has a low asset base.

Health Grade Components

NCUA #61944
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD3.52%
Annual Interest Income$756.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$29.5MM$28.7MM
LoansQ4 2018vs Q4 2017$11.6MM$11.0MM
DepositsQ4 2018vs Q4 2017$25.7MM$25.0MM
Equity CapitalQ4 2018vs Q4 2017$3.7MM$3.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$47.00K$45.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$86.00K$130.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Lauderdale County Teachers Credit Union Savings Account Rates

0.50%--IRA Share
0.25%--Christmas Club

Lauderdale County Teachers Credit Union Checking Account Rates

0.10%--Share Drafts

Lauderdale County Teachers Credit Union CD Rates

2.88%$500-60 Month CD
2.47%$500-30 Month CD
1.86%$500-12 Month CD
1.60%$500-6 Month CD

Lauderdale County Teachers Credit Union Locations
Branch Office103 Mangum StFlorence, AL 35630-1559

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