credit union

East Alabama Community

Opelika, AL · Est. 1958
A
Trust Grade
Excellent
Score: 93/100

East Alabama Community is a credit union based in Opelika, Alabama, established in 1958, with $21 million in total assets serving 2,977 members. By Trust Grade it ranks 46th of 89 credit unions we track in Alabama. Its net worth ratio of 14.0% trails most similarly sized credit unions (48th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.42% return on assets. No consumer complaints against East Alabama Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$21.0M
<$100M institution
Members
2,977
Shares & deposits
—
Net worth ratio
14.0%
Bottom 48% of <$100M peers · Alabama median 14.2%
Return on assets
0.4%
Bottom 41% of <$100M peers · Alabama median 0.65%
Rank in Alabama
#46
of 89 credit unions

How East Alabama Community compares to Alabama peers

Net worth ratio
Bottom 48% of <$100M peers
East Alabama
14.0%
Alabama median
14.2%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 41% of <$100M peers
East Alabama
0.4%
Alabama median
0.7%
Higher ROA = more profitable relative to asset base

How we graded East Alabama Community

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
93/100
Customer experience
n/a
Overall
A · 93
  • Strongly capitalized (14.0% capital ratio)
  • Profitable (ROA 0.42%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for East Alabama Community over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at East Alabama Community insured?

Yes. East Alabama Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

East Alabama Community: frequently asked questions

Is East Alabama Community a good credit union?

East Alabama Community earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Profitable (ROA 0.42%).

Is East Alabama Community NCUA-insured?

Yes. East Alabama Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is East Alabama Community?

East Alabama Community holds $21 million in total assets, ranking 46th of 89 credit unions we track in Alabama. It serves 2,977 members.

Does East Alabama Community have CFPB complaints?

No CFPB complaints against East Alabama Community appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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