Charter 65464 · Birmingham, AL
Eco Credit Union
Eco Credit Union is a state-chartered credit union in Birmingham, Alabama, with $195 million in assets and 14,864 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.78%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $195 million
- +4.9% in a year
- Members
- 14,864
- -8.7% in a year
- Net worth ratio
- 11.78%
- Peer median 11.65%
- Loans 60+ days late
- 0.86%
- Peer median 0.70%
- Loans outstanding
- $99.8 million
- +8.3% in a year
- Shares and deposits
- $180 million
- +2.3% in a year
- Branches
- 6
- 37 employees
- Opened
- 1979
- Alabama charter
How Eco Credit Union compares
NCUA groups credit unions by size; Eco Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.78% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.86%, is higher than the group median of 0.70%. Loans grew 8.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 29 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 | $195 million | 14,864 | $99.8 million | 11.78% | 0.86% |
| Q1 2026 | $194 million | 14,871 | $99.0 million | 11.59% | 0.82% |
| Q4 2025 | $188 million | 14,830 | $99.3 million | 11.89% | 0.82% |
| Q3 2025 | $188 million | 16,268 | $96.5 million | 11.75% | 0.55% |
| Q2 2025 | $186 million | 16,278 | $92.1 million | 11.74% | 0.65% |
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 50,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Eco Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Adminstrative (main office)
105 Frankfurt Cir, Birmingham, AL 35211 - Alabaster
791 4Th Pl Sw, Alabaster, AL 35007 - Trussville
430 Main St, Trussville, AL 35173 - Gardendale
1233 Pecan Ave, Gardendale, AL 35071 - Homewood
2100 18Th St S, Birmingham, AL 35209 - McCalla
4821 Mcadory School Rd, Mc Calla, AL 35111 - Riverchase
3746 Lorna Rd, Hoover, AL 35216
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