Applications / Mortgage Analytics / Lenders / Alabama / North Alabama Educators Credit Union
Huntsville, AL · Credit union · NCUA · $139 million assets · 10 loans in 2025
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10
loans originated, 2025
11
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Alabama Educators Credit Union, a Huntsville credit union that has reported since 1990, made just 10 loans in 2025, eight of them small home-improvement loans.
Eight in ten of its 10 loans in 2025 were for home improvement. Its typical loan was $35,000, against $120,000 at similar lenders, which are credit unions making between half and twice as many loans. All its loans were conventional, with no government backing.
It made 10 loans, up from 8 in 2024. Between 2018 and 2023 it made between 20 and 27 a year. A rise of two loans is too small to read anything into, though similar lenders fell 19% while the whole market grew 10%.
All its lending is in the Huntsville metro, across 2 counties. There it ranked 282 of 440 lenders. United Wholesale Mortgage led that market, ahead of Redstone Federal Credit Union.
Its shares of lending to poorer borrowers and neighborhoods jump from year to year because they rest on so few loans. With 10 loans, none of them says much about whom it serves.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Alabama Educators Credit Union took 11 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 80.0% · Purchase 10.0% · Refinance 10.0%
Conventional 100.0% · of 10 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 10 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntsville | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Z5MXY02EYXAM91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 486592 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560500 | 1990–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North Alabama Educators Credit Union's data.
North Alabama Educators Credit Union's data
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North Alabama Educators Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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