Sep, 30, 2025 — ALABAMA TEACHERS CREDIT UNION is a federally insured state chartered credit union headquartered in GADSDEN, AL with 6 branch locations and about $592.50 million in total assets. Opened 67 years ago in 1959, ALABAMA TEACHERS CREDIT UNION has about 32,649 members and employs 99 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ALABAMA TEACHERS CREDIT UNION |
|---|---|
| Address: (Main Office) | 702 Walnut St GADSDEN, AL 35901 |
| Phone: | (256) 543-7040 |
| Fax: | (256) 439-3699 |
| Website: | https://www.emblemcu.com |
| Branches: | 6 branch locations |
| Members: | 32,649 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67252 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $592,503,307 |
| CEO/Manager: | Jeffrey S Napper |
| Chairperson: | Martha Lavender |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 60,018,646 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 262,110,738 |
| Unsecured Loans | 23,190,680 |
| Other Loans | 163,746,123 |
| TOTAL LOANS | 449,282,519 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,956,660 |
| Land And Building | 10,381,958 |
| Other Fixed Assets | 940,276 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,460,595 |
| All Other Assets | 7,970 |
| TOTAL ASSETS | 592,503,307 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 359,482 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,889,097 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 134,392,244 |
| Regular shares | 135,453,439 |
| All Other Shares & Deposits | 258,679,545 |
| TOTAL SHARES & DEPOSITS | 528,525,227 |
| TOTAL LIABILITIES | 531,773,806 |
| Regular Reserve | 0 |
| Other Reserves | -4,896,041 |
| Undivided Earnings | 65,625,542 |
| TOTAL EQUITY | 60,729,501 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 592,503,307 |
| INCOME & EXPENSE | |
| Loan Income | 19,077,826 |
| Investment Income | 2,661,792 |
| Other Income | 2,391,385 |
| Total Employee Compensation & Benefits | 6,988,864 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,457,115 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,340,500 |
| Cost of Funds | 7,736,192 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,379,920 |
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