Charter 16500 · Birmingham, AL
Acipco Federal Credit Union
Acipco Federal Credit Union is a federally chartered credit union in Birmingham, Alabama, with $221 million in assets and 8,193 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.37%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $221 million
- +5.4% in a year
- Members
- 8,193
- -7.0% in a year
- Net worth ratio
- 14.37%
- Peer median 11.65%
- Loans 60+ days late
- 0.21%
- Peer median 0.70%
- Loans outstanding
- $140 million
- +5.5% in a year
- Shares and deposits
- $191 million
- +4.9% in a year
- Branches
- 2
- 20 employees
- Opened
- 1964
- Federal charter
How Acipco Federal Credit Union compares
NCUA groups credit unions by size; Acipco Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.37% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.21%, is lower than the group median of 0.70%. Loans grew 5.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 26 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $221 million | 8,193 | $140 million | 14.37% | 0.21% |
| Q1 2026 | $212 million | 8,117 | $134 million | 14.43% | 0.10% |
| Q4 2025 | $207 million | 8,894 | $134 million | 14.25% | 0.12% |
| Q3 2025 | $212 million | 8,848 | $131 million | 15.14% | 0.36% |
| Q2 2025 | $210 million | 8,810 | $133 million | 14.74% | 0.59% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 10,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Acipco Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- ACIPCO Federal Credit Union (main office)
1501 31St Ave N, Birmingham, AL 35207 - Legacy Credit Union
47 W Oxmoor Rd, Birmingham, AL 35209
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology