Institution Profile
Address: P.O. Box 128 Sylacauga, AL 35150
(256) 245-4776
Website:
NCUA Profile:
Charter Date:
1/1/1937
Charter Type:
State
Branches:
7
Branches by Region
AL 7
Financial Overview
Total Assets
$183.86M
Total Deposits
$166.78M
Total Loans
$131.48M
Members
15,490
Employees
63 57 Full-time / 6 Part-time
Allowance for Loan Losses
$738,833
Performance Ratios
Net Worth Ratio
9.84%
Loan-to-Deposit Ratio
78.84%
Coverage Ratio
0.56% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +25.25% Total Deposits: +24.53% Total Loans: +26.02% since 2020 Q1
Member Growth
Member Growth
Members: +11.71% since 2020 Q1
Employee Growth
Employee Growth
Employees: +12.50% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
4,076
Amount This Year (YTD)
$40.09M
Number of Loans per Quarter
Loans Granted: +122.54% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +70.28% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1st Mortgages
$57.44M 43.7%
Used Vehicle
$38.62M 29.4%
New Vehicle
$12.07M 9.2%
Other Secured
$9.00M 6.8%
Other Unsecured
$8.10M 6.2%
Credit Card
$3.17M 2.4%
CRE: Non-Owner-Occupied
$1.69M 1.3%
CRE: Owner-Occupied
$744,565 0.6%
Commercial & Industrial
$490,466 0.4%
HELOCs
$106,747 0.1%
Commercial Unsecured
$53,748 0.0%
Unaccounted
$1 0.0%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 15,490 | $183.86M | $166.78M | $131.48M | 63 |
| 2025 Q3 | 15,544 | $180.16M | $163.43M | $130.79M | 64 |
| 2025 Q2 | 15,531 | $176.26M | $153.60M | $132.19M | 64 |
| 2025 Q1 | 15,531 | $176.57M | $159.52M | $129.79M | 64 |
| 2024 Q4 | 15,627 | $181.35M | $165.50M | $133.28M | 67 |
| 2024 Q3 | 15,673 | $184.57M | $168.61M | $131.97M | 68 |
| 2024 Q2 | 15,664 | $184.63M | $169.44M | $131.37M | 67 |
| 2024 Q1 | 15,568 | $186.25M | $171.30M | $128.63M | 62 |
| 2023 Q4 | 15,488 | $174.76M | $154.85M | $130.46M | 61 |
| 2023 Q3 | 15,400 | $172.89M | $152.65M | $129.59M | 61 |
| 2023 Q2 | 15,405 | $173.28M | $153.17M | $126.96M | 60 |
| 2023 Q1 | 15,342 | $172.28M | $157.86M | $121.07M | 57 |
| 2022 Q4 | 14,838 | $167.20M | $152.81M | $120.86M | 56 |
| 2022 Q3 | 14,813 | $173.58M | $159.71M | $116.82M | 58 |
| 2022 Q2 | 14,772 | $176.78M | $162.82M | $113.85M | 57 |
| 2022 Q1 | 14,607 | $177.54M | $163.97M | $109.47M | 57 |
| 2021 Q4 | 14,608 | $172.62M | $158.69M | $110.06M | 57 |
| 2021 Q3 | 14,535 | $175.17M | $160.52M | $107.00M | 57 |
| 2021 Q2 | 14,458 | $170.89M | $156.68M | $108.87M | 54 |
| 2021 Q1 | 14,193 | $172.20M | $158.91M | $105.54M | 52 |
| 2020 Q4 | 14,103 | $163.41M | $149.86M | $108.14M | 54 |
| 2020 Q3 | 14,117 | $161.76M | $148.63M | $105.43M | 51 |
| 2020 Q2 | 14,050 | $162.76M | $149.53M | $106.62M | 56 |
| 2020 Q1 | 13,866 | $146.80M | $133.92M | $104.33M | 56 |
Interest Rates
Current average rates by loan type
New Vehicle
5.31%
Used Vehicle
7.42%
1st Mortgage (Fixed)
5.56%
HELOC
7.44%
Credit Card
9.87%
Other Unsecured
14.46%