| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Solutions Plus Bank Albertville, AL | Bank | Albertville, AL | $43.9M | 255.37% |
| 2 | Bank47 Huntsville, AL | Bank | Huntsville, AL | $97.0M | 224.23% |
| 3 | Covington Schools Federal Credit Union Andalusia, AL | Credit Union | — | $21.9M | 160.73% |
| 4 | BHM Bank Birmingham, AL | Bank | Birmingham-Hoover, AL | $17.4M | 157.87% |
| 5 | L&N Employees Credit Union Birmingham, AL | Credit Union | — | $8.0M | 139.34% |
| 6 | Chemco Credit Union Mc Intosh, AL | Credit Union | — | $5.3M | 133.01% |
| 7 | Opp-Micolas Credit Union Opp, AL | Credit Union | — | $10.4M | 129.67% |
| 8 | Gulf Coast Federal Credit Union Mobile, AL | Credit Union | — | $44.1M |
| 121.16% |
| 9 | Montgomery Va Federal Credit Union Montgomery, AL | Credit Union | — | $6.0M | 120.57% |
| 10 | Local Bank Tuscaloosa, AL | Bank | Tuscaloosa, AL | $111.3M | 111.08% |
| 11 | Tuskegee Federal Credit Union Tuskegee, AL | Credit Union | — | $11.7M | 111.06% |
| 12 | North Alabama Papermakers Federal Credit Union Stevenson, AL | Credit Union | — | $2.1M | 108.63% |
| 13 | Commonwealth National Bank Mobile, AL | Bank | Mobile, AL | $78.5M | 106.92% |
| 14 | Nrs Community Development Federal Credit Union Birmingham, AL | Credit Union | — | $1.3M | 102.25% |
| 15 | S R I Employees Federal Credit Union Birmingham, AL | Credit Union | — | $3.6M | 101.05% |
| 16 | Birmingham City Credit Union Birmingham, AL | Credit Union | — | $10.2M | 100.93% |
| 17 | 22nd State Banking Company Mobile, AL | Bank | Mobile, AL | $292.2M | 92.87% |
| 18 | Wcu Credit Union Decatur, AL | Credit Union | — | $35.2M | 92.69% |
| 19 | The Infirmary Federal Credit Union Mobile, AL | Credit Union | — | $32.5M | 92.51% |
| 20 | U S Pipe Bessemer Employees Federal Credit Union Bessemer, AL | Credit Union | — | $3.0M | 92.44% |
| 21 | Florence Federal Credit Union Florence, AL | Credit Union | — | $66.6M | 91.74% |
| 22 | First Federal Bank, A FSB Tuscaloosa, AL | Bank | Tuscaloosa, AL | $182.6M | 91.63% |
| 23 | Tvh Federal Credit Union Tuskegee, AL | Credit Union | — | $5.0M | 91.49% |
| 24 | Federal Employees Credit Union Birmingham, AL | Credit Union | — | $19.4M | 90.39% |
| 25 | Fedmont Federal Credit Union Montgomery, AL | Credit Union | — | $12.9M | 89.91% |
| 26 | Union State Bank Pell City, AL | Bank | Birmingham-Hoover, AL | $212.5M | 88.32% |
| 27 | Champion Community Credit Union Courtland, AL | Credit Union | — | $51.4M | 87.63% |
| 28 | Red Oak Credit Union Tuscaloosa, AL | Credit Union | — | $40.5M | 86.82% |
| 29 | Heritage South Credit Union Sylacauga, AL | Credit Union | — | $189.5M | 86.13% |
| 30 | Nucor Employees Federal Credit Union Fort Payne, AL | Credit Union | — | $2.3M | 86.13% |
| 31 | Alabama Central Credit Union Birmingham, AL | Credit Union | — | $216.4M | 85.89% |
| 32 | Baldwin County Federal Credit Union Bay Minette, AL | Credit Union | — | $31.8M | 85.88% |
| 33 | The Bridgeway Federal Credit Union Phenix City, AL | Credit Union | — | $64.0M | 85.63% |
| 34 | The Commercial Bank Of Ozark Ozark, AL | Bank | Ozark, AL | $115.2M | 85.15% |
| 35 | Andalusia Mills Employees Credit As Federal Credit Union Andalusia, AL | Credit Union | — | $3.2M | 84.83% |
| 36 | Listerhill Credit Union Sheffield, AL | Credit Union | — | $1.46B | 84.62% |
| 37 | Family Savings Credit Union Rainbow City, AL | Credit Union | — | $1.17B | 84.59% |
| 38 | Nova Bank Huntsville, AL | Bank | Huntsville, AL | $91.2M | 84.47% |
| 39 | New Horizons Credit Union Mobile, AL | Credit Union | — | $296.2M | 83.29% |
| 40 | Valley Credit Union Tuscumbia, AL | Credit Union | — | $111.3M | 82.84% |
| 41 | Ang Federal Credit Union Birmingham, AL | Credit Union | — | $24.2M | 82.44% |
| 42 | Alabama One Credit Union Tuscaloosa, AL | Credit Union | — | $1.51B | 82.04% |
| 43 | Fort Mcclellan Credit Union Anniston, AL | Credit Union | — | $224.7M | 81.22% |
| 44 | Mobile Postal Credit Union Mobile, AL | Credit Union | — | $17.0M | 80.98% |
| 45 | Mobile Government Emp. Credit Union Mobile, AL | Credit Union | — | $15.3M | 80.71% |
| 46 | Azalea City Credit Union Mobile, AL | Credit Union | — | $46.1M | 80.69% |
| 47 | Legacy Community Federal Credit Union Birmingham, AL | Credit Union | — | $736.3M | 80.23% |
| 48 | Bank Independent Sheffield, AL | Bank | Florence-Muscle Shoals, AL | $2.86B | 80.19% |
| 49 | First Progressive Bank Brewton, AL | Bank | Atmore, AL | $31.6M | 80.08% |
| 50 | Federation Of Greene County Empl. Federal Credit Union Eutaw, AL | Credit Union | — | $2.2M | 79.76% |