All In Credit Union: Your Trusted Financial Partner for Alabama and Florida

Amir Towns
Apr 30, 2023
16 min read

Updated: May 23, 2023

All In Credit Union is a not-for-profit financial institution that has been providing banking services to its members since 1940. With over 120,000 members across several states, All In Credit Union offers competitive interest rates, lower fees, and personalized service from knowledgeable staff. The credit union provides a range of products and services including checking and savings accounts, loans, credit cards, and online banking.

All In Credit Union is committed to giving back to the communities it serves through charitable donations and volunteer work. The credit union's focus on member satisfaction and financial education sets it apart from other financial institutions. All In Credit Union strives to help its members achieve their financial goals and improve their overall financial well-being.

One of the benefits of being a member of All In Credit Union is access to lower fees. As a not-for-profit organization, the credit union does not have shareholders to pay dividends to, which means they can pass on the savings to their members. This allows members to save money on things like ATM fees, overdraft fees, and monthly maintenance fees.

Another benefit of being a member of All In Credit Union is access to competitive interest rates. Whether you're looking for a mortgage or car loan, or simply want to earn more interest on your savings account balance, All In Credit Union offers some of the best rates in the industry.

In addition to offering traditional banking products and services, All In Credit Union also provides online banking options for added convenience. Members can check their account balances, transfer funds between accounts, pay bills online, and even deposit checks using their mobile devices.

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Brief Overview of All In Credit Union

All In Credit Union is a financial cooperative that has been serving its members since 1940. With over 100,000 members across Alabama, Florida, and Georgia, All In Credit Union offers a range of banking and lending services to its members. The credit union's focus on member service and community involvement has helped it become one of the largest credit unions in the Southeast.

Wiregrass Chapter: A Local Chapter of All In Credit Union

The Wiregrass Chapter is a local chapter of All In Credit Union that serves members in the Wiregrass region of Alabama. Members of the Wiregrass Chapter have access to a range of benefits and services, including competitive rates on loans and savings accounts.

All In Credit Union's Commitment to Community

All In Credit Union is committed to giving back to the communities it serves. Through its support of the Wiregrass Chapter, All In Credit Union helps provide financial education and resources to individuals and families in need. The credit union also supports local organizations and events that help strengthen communities across Alabama, Florida, and Georgia.

Banking Services Offered by All In Credit Union

All In Credit Union offers a wide range of banking services to its members. These include checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), debit cards, credit cards, online banking, mobile banking, bill pay services, direct deposit services, wire transfer services, safe deposit boxes for storing valuables securely at a low cost.

Lending Services Offered by All In Credit Union

In addition to its banking services offerings mentioned above; All In Credit Union also provides various lending options for personal or business needs such as auto loans with competitive interest rates starting from 2.99% APR*, mortgage loans with low down payment options available for first-time homebuyers or those looking to refinance their existing mortgages with fixed or adjustable rate options available based on your preference, home equity loans or lines of credit, personal loans for consolidating debt, paying for unexpected expenses or making a large purchase with flexible repayment terms and competitive interest rates starting from 7.99% APR*, business loans to help grow your small business with low-interest rates and flexible repayment terms tailored to meet your needs.

All In Credit Union's Member Service

All In Credit Union's focus on member service is evident in the way it treats its members. The credit union offers personalized service to each member, ensuring that their needs are met and their questions are answered. Members can access their accounts online or through the mobile app, making banking convenient and accessible at all times.

Quarterly Data Summary and U.S. Map Review

The Quarterly Data Summary is a comprehensive overview of All In Credit Union's financial performance for the past quarter. It provides key metrics such as loan rates, deposit rates, and minimum balances. This report helps members understand how their credit union is performing financially and how it compares to other financial institutions in the state.

All In Credit Union offers competitive rates on a wide range of financial products, including auto loans, mortgages, personal loans, and credit cards. The credit union's flexible terms make it easy for members to achieve their financial goals with ease.

Loan Rates

All In Credit Union offers competitive loan rates that are lower than most banks in the state. The credit union's auto loan rates start at 1.99% APR for up to 36 months, making it easier for members to afford a new car or truck. Members can also take advantage of low mortgage rates starting at 2.75% APR for up to 30 years.

Deposit Rates

All In Credit Union offers some of the highest deposit rates in the state. Members can earn up to 0.60% APY on their savings accounts and up to 0.70% APY on their money market accounts.

Minimum Balances

All In Credit Union has low minimum balance requirements compared to other financial institutions in the state. Members only need $5 to open a savings account and $25 to open a checking account.

U.S. Map Review

The U.S. Map Review is a helpful tool for members who want to quickly identify All In Credit Union branches and ATMs across the country. This map provides detailed information about each location's address, phone number, and hours of operation.

Members can use this map when traveling or moving out of state to find an All In Credit Union branch or ATM near them easily.

Exit Link Policies

As a member-owned credit union, All In Credit Union is committed to transparency and fairness in all its policies, including exit link policies that ensure members have access to unbiased information about other financial institutions. All In Credit Union's website provides links to other financial institutions for informational purposes only.

The credit union does not endorse or recommend any particular institution or product. Instead, it encourages members to do their research and make informed decisions about their finances.

Financial Performance Reports for Credit Unions

Financial performance reports are essential tools for credit unions to evaluate their financial health and identify areas for improvement. These reports typically include information on a credit union's income, expenses, assets, liabilities, and capital, as well as key ratios and trends over time. By analyzing these reports, credit unions can make informed decisions about their operations, investments, and lending practices to better serve their members and achieve long-term financial stability.

Income Statement

The income statement is one of the most important components of a financial performance report. It provides an overview of a credit union's revenue and expenses during a specific period. The income statement includes several key metrics such as net interest income (NII), non-interest income (NFI), provision for loan losses (PLL), operating expenses (OPEX), and net income.

Net interest income represents the difference between the interest earned on loans and investments and the interest paid on deposits. Non-interest income includes fees from services such as ATM transactions, wire transfers, or overdrafts. Provision for loan losses refers to the amount set aside by the credit union to cover potential losses from bad loans. Operating expenses include salaries, rent, utilities, marketing costs, etc.

Balance Sheet

The balance sheet provides a snapshot of a credit union's assets and liabilities at a specific point in time. Assets include cash reserves, investments in securities or loans to members. Liabilities represent obligations such as deposits from members or borrowings from other institutions.

Capital Adequacy Ratio

The capital adequacy ratio measures a credit union's ability to absorb potential losses due to unexpected events such as economic downturns or defaults on loans. This ratio compares the total capital available with the risk-weighted assets held by the institution.

Loan-to-Share Ratio

The loan-to-share ratio indicates how much of a credit union's assets are tied up in loans compared to deposits from members. A high ratio may indicate that the credit union is taking on too much risk by lending to members who may not be able to repay their loans.

Delinquency Rate

The delinquency rate measures the percentage of loans that are past due or in default. A high delinquency rate can indicate that a credit union is experiencing financial difficulties or has poor underwriting standards.

Return on Assets

Return on assets (ROA) measures how efficiently a credit union is using its assets to generate income. It is calculated by dividing net income by total assets. A higher ROA indicates better financial performance.

Net Interest Margin

Net interest margin (NIM) represents the difference between the interest earned on loans and investments and the interest paid on deposits. It measures how effectively a credit union is managing its interest rate risk.

Trends Over Time

Analyzing trends over time can provide valuable insights into a credit union's financial health. For example, if a credit union's NII has been declining steadily over several quarters, it may indicate that the institution needs to adjust its lending practices or invest in new revenue streams.

Trends in Federally Insured Credit Unions and List of Active Federally Insured Credit Unions

Federally insured credit unions are financial institutions that are regulated and backed by the National Credit Union Administration (NCUA) to protect depositors' funds. These credit unions offer a range of financial products and services such as savings accounts, loans, and credit cards. Despite the decline in numbers, federally insured credit unions continue to serve millions of members across the United States.

As of June 2021, there were 5,236 active federally insured credit unions in the US. This number has been decreasing over the years due to mergers and acquisitions. In 2010, there were 7,339 active federally insured credit unions. However, despite this decline in numbers, federally insured credit unions continue to play a significant role in the US economy.

One trend that has emerged in recent years is a shift towards digital banking. Many federally insured credit unions have invested heavily in technology to offer their members online banking services such as mobile apps and online account access. This trend has been accelerated by the COVID-19 pandemic which forced many people to conduct their financial transactions online.

Another trend is an increased focus on member engagement and financial education. Many federally insured credit unions have recognized that engaging with their members is critical for building long-term relationships and increasing loyalty. To achieve this goal, they have implemented various programs aimed at educating their members on personal finance topics such as budgeting, saving for retirement, and managing debt.

Efforts to promote diversity, equity, and inclusion within the industry are also gaining momentum. Many federally insured credit unions have recognized that promoting diversity within their organizations leads to better decision-making outcomes and helps them better serve their diverse membership base.

In terms of size, Navy Federal Credit Union is currently the largest federally insured credit union with over 10 million members as of June 2021. Other large players in the industry include State Employees' Credit Union, Pentagon Federal Credit Union, and Alliant Credit Union.

Federally insured credit unions are also active in their communities. Many of them offer financial literacy programs to schools and community groups. They also provide support to local charities and non-profits through donations and volunteer work.

Aggregate Financial Performance Reports

Aggregate financial performance reports provide a comprehensive overview of All In Credit Union's financial performance. These reports are an essential tool for assessing the health and success of the credit union. They include data on the credit union's accounts, such as the number of accounts opened and closed during a given period, as well as APR (Annual Percentage Rate) data, which provides insight into the interest rates charged on loans and other financial products.

The process of creating these reports involves analyzing data from various sources, including internal financial systems and external market data. By reviewing these reports, All In Credit Union can identify trends and make informed decisions about how to improve its financial performance and better serve its members.

Analyzing account data is one way that All In Credit Union can assess its financial performance. This includes tracking the number of new accounts opened during a given period, as well as the number of accounts that were closed or inactive. By monitoring this information over time, All In Credit Union can identify trends in member behavior and adjust its offerings accordingly.

APR data is another critical component of aggregate financial performance reports. APR is a measure of the cost of borrowing money expressed as a yearly percentage rate. It takes into account not only the interest rate but also any fees associated with borrowing money. By analyzing APR data over time, All In Credit Union can identify trends in lending activity and adjust its lending policies to better serve its members.

Creating aggregate financial performance reports requires careful analysis of both internal and external market data. Internal data includes information on member behavior, such as account openings and closings, while external market data includes information on economic conditions that may impact All In Credit Union's operations.

By combining these two types of information, All In Credit Union can gain a comprehensive understanding of its financial performance relative to broader economic conditions. This allows it to make informed decisions about how to allocate resources and adjust its offerings to better serve its members.

Overall, aggregate financial performance reports are a valuable tool for assessing the health and success of All In Credit Union. They provide a comprehensive overview of the credit union's financial performance, including data on accounts and APR. By analyzing this information over time, All In Credit Union can identify trends and make informed decisions about how to improve its financial performance and better serve its members.

Examples of Aggregate Financial Performance Reports

One example of an aggregate financial performance report is the quarterly earnings report released by All In Credit Union. This report provides detailed information on the credit union's financial performance during a given quarter, including data on accounts, loans, and other key metrics.

Another example is the annual report published by All In Credit Union. This report provides a comprehensive overview of the credit union's operations over the course of a year, including financial statements and other important information.

Social Proofs of Aggregate Financial Performance Reports

All In Credit Union has received numerous awards for its financial performance in recent years. For example, it was named one of the top 200 healthiest credit unions in America by DepositAccounts.com in 2020. This recognition is a testament to All In Credit Union's commitment to sound financial management practices.

Statistics Regarding Aggregate Financial Performance Reports

According to data from the National Credit Union Administration (NCUA), there were 5,236 federally insured credit unions in operation as of December 31, 2020. These credit unions held $1.7 trillion in assets and served more than 124 million members.

Call Report Data Web Service and Credit Union Data Query

Credit unions are unique financial institutions that operate on a not-for-profit basis, with the primary goal of serving their members. As such, credit unions must have a deep understanding of their financial performance to make informed decisions about their operations and strategies. To achieve this, credit unions need access to reliable data sources that can provide them with the necessary insights into their financial performance. The Call Report Data Web Service and Credit Union Data Query are two powerful tools that enable credit unions to access and analyze financial data from the National Credit Union Administration (NCUA) database.

What is Call Report Data Web Service?

The Call Report Data Web Service is an online tool provided by the NCUA that allows credit unions to access detailed financial data from the agency's database. This data includes information on a wide range of topics, including balance sheets, income statements, loan portfolios, membership growth, and more.

One of the key benefits of using Call Report Data Web Service is that it provides credit unions with access to standardized financial data across all federally insured credit unions in the United States. This means that credit unions can compare their own financial performance against industry benchmarks and identify areas where they may be lagging behind or outperforming other institutions.

What is Credit Union Data Query?

Credit Union Data Query is a feature within the Call Report Data Web Service that enables credit unions to create custom reports and analyze data specific to their institution. With Credit Union Data Query, credit union managers can filter data by asset size, location, charter type, or any other criteria relevant to their institution.

By utilizing Credit Union Data Query effectively, credit union managers can gain valuable insights into their institution's performance over time. For example, they may be able to identify trends in loan portfolio growth or delinquency rates over several quarters or years. They could also use this tool to compare themselves to other credit unions in their region or asset size category.

Benefits of Using Call Report Data Web Service and Credit Union Data Query

The benefits of using Call Report Data Web Service and Credit Union Data Query are numerous. By accessing detailed financial data from the NCUA database, credit unions can gain a deeper understanding of their institution's performance and identify areas for improvement. For example, they may be able to identify opportunities to improve loan portfolio performance by adjusting lending policies or marketing efforts.

Additionally, access to standardized industry data allows credit unions to benchmark their own financial performance against that of other institutions. This information can be used to identify areas where the credit union is lagging behind its peers and develop strategies to address these issues.

Finally, Credit Union Data Query provides credit union managers with a powerful tool for analyzing their institution's performance over time. By filtering data by relevant criteria, managers can quickly identify trends in key metrics such as membership growth, loan delinquency rates, or net interest margins. Armed with this information, they can make informed decisions about how best to allocate resources and drive growth within their institution.

All In Credit Union - Your Trusted Partner in Financial Services

All In Credit Union is a trusted partner in financial services, offering a range of banking products and services to its members. As a credit union, All In Credit Union is owned by its members, meaning that profits are returned to members in the form of better rates and lower fees. With branches in Alabama and Florida, All In Credit Union is part of the larger credit union network, including the League of Southeastern Credit Unions (LSCU) and the Southeastern Credit Union Foundation (SECUF). Members of All In Credit Union have access to a variety of financial services, including personal loans, mortgages, insurance, and education funds, all backed by the National Credit Union Administration (NCUA) for added security.

Credit unions are unique financial institutions that operate differently from traditional banks. While banks are typically for-profit businesses owned by shareholders or investors who seek to maximize their returns on investment, credit unions are not-for-profit organizations owned by their members. This means that any profits generated by a credit union are returned to its members in the form of better rates on loans and deposits as well as lower fees for services.

One advantage of being a member-owned organization is that credit unions tend to be more focused on serving their members' needs rather than maximizing profits. For example, many small credit unions like Virginia Credit Union may offer personalized service or specialized loan programs tailored to specific groups such as military personnel or students.

All In Credit Union is no exception they provide insurance options such as auto insurance coverage through Ausa Insurance Services.

Another benefit of being a member-owned institution is that customers have more say in how the organization operates. Members can vote on important decisions such as electing board members or approving changes to policies or procedures. This level of democratic control can help ensure that the credit union is accountable to its members and operates in their best interests.

All In Credit Union is also part of a larger network of credit unions, including the League of Southeastern Credit Unions (LSCU) and the Southeastern Credit Union Foundation (SECUF). This network provides additional resources and support to All In Credit Union, enabling it to offer more services and better rates to its members. For example, SECUF offers education funds for students pursuing higher education or trade schools, which can help alleviate the financial burden of tuition costs.

In addition to offering traditional banking products such as personal loans and mortgages, All In Credit Union also provides access to financial planning tools and resources. Members can take advantage of online banking services that allow them to manage their accounts from anywhere at any time. They can also access educational materials on topics such as budgeting, saving for retirement, or investing in stocks or mutual funds.

One important aspect of being a member-owned institution is ensuring that deposits are safe and secure. All In Credit Union is backed by the National Credit Union Administration (NCUA), which provides insurance coverage for deposits up to $250,000 per account. This added security can give members peace of mind knowing that their money is protected even in the event of a financial crisis.

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All In Credit Union - Your One-Stop Shop for Financial Solutions

In conclusion, All In Credit Union is a trusted partner in financial services. With its wide range of offerings, it has become a one-stop-shop for all your financial needs. From loans to funds, available discounts to money management tools, All In Credit Union has got you covered.

The quarterly data summary and U.S. map review provide valuable insights into the performance of credit unions across the country. The financial performance reports are an excellent resource for those looking to compare credit unions' financial health. The recently updated call reports and call report form archive make it easy to access important information quickly.

All In Credit Union also offers aggregate financial performance reports that give you a comprehensive view of how credit unions are performing overall. The call report data web service and credit union data query allow you to access this information easily and efficiently.

Whether you're looking for a new loan or want to maximize your assets, All In Credit Union has something for everyone. Their application process is straightforward and user-friendly, making it easy to get started on your journey towards financial freedom.

And if you're a member of VACU (Virginia Credit Union), you can take advantage of even more benefits through All In Credit Union's partnership with them. Available discounts on various products and services make it even easier to manage your money effectively.

In short, whether you're an individual or a business owner, All In Credit Union is here to help you achieve your financial goals. With its commitment to providing exceptional customer service and innovative solutions, it's no wonder why so many people trust them as their go-to source for all things finance-related.

So what are you waiting for? Visit their website today and see how they can help you take control of your finances in a whole new way! And remember – All In Credit Union is the name you can trust!