Charter 60712 · Birmingham, AL
Alabama Central Credit Union
Alabama Central Credit Union is a state-chartered credit union in Birmingham, Alabama, with $214 million in assets and 18,375 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.64%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $214 million
- +3.2% in a year
- Members
- 18,375
- -10.0% in a year
- Net worth ratio
- 9.64%
- Peer median 11.65%
- Loans 60+ days late
- 0.44%
- Peer median 0.70%
- Loans outstanding
- $141 million
- -0.8% in a year
- Shares and deposits
- $193 million
- +2.0% in a year
- Branches
- 9
- 56 employees
- Opened
- 1938
- Alabama charter
How Alabama Central Credit Union compares
NCUA groups credit unions by size; Alabama Central Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.64% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.44%, is lower than the group median of 0.70%. Loans fell 0.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 28 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 | $214 million | 18,375 | $141 million | 9.64% | 0.44% |
| Q1 2026 | $216 million | 18,529 | $138 million | 9.30% | 0.27% |
| Q4 2025 | $208 million | 18,761 | $140 million | 9.51% | 0.34% |
| Q3 2025 | $209 million | 20,037 | $143 million | 9.29% | 0.10% |
| Q2 2025 | $207 million | 20,413 | $142 million | 9.16% | 0.15% |
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 3.2 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Alabama Central Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Homewood
250 W Oxmoor Rd, Birmingham, AL 35209 - Tuscaloosa
1121 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 - Decatur
3048 Finley Island Cir Nw, Decatur, AL 35601 - Russellville
13499 Highway 43, Russellville, AL 35653 - Muscle Shoals
743 Avalon Ave, Muscle Shoals, AL 35661 - Florence
1902 Bruin Dr, Florence, AL 35630 - Mobile
797 Downtowner Blvd, Mobile, AL 36609 - Downtown Florence
501 E Dr Hicks Blvd Ste E, Florence, AL 35630 - Main Office (main office)
3631 4Th Ave S, Birmingham, AL 35222
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