Charter 24421 · Birmingham, AL
Legacy Community Federal Credit Union
Legacy Community Federal Credit Union is a federally chartered credit union in Birmingham, Alabama, with $727 million in assets and 39,234 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.28%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $727 million
- +11.8% in a year
- Members
- 39,234
- +2.9% in a year
- Net worth ratio
- 13.28%
- Peer median 10.79%
- Loans 60+ days late
- 1.64%
- Peer median 0.67%
- Loans outstanding
- $427 million
- +12.5% in a year
- Shares and deposits
- $632 million
- +12.1% in a year
- Branches
- 11
- 139 employees
- Opened
- 1955
- Federal charter
How Legacy Community Federal Credit Union compares
NCUA groups credit unions by size; Legacy Community Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.28% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.64%, is higher than the group median of 0.67%. Loans grew 12.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 14 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 | $727 million | 39,234 | $427 million | 13.28% | 1.64% |
| Q1 2026 | $736 million | 39,671 | $429 million | 13.30% | 1.07% |
| Q4 2025 | $734 million | 29,974 | $439 million | 13.55% | 0.91% |
| Q3 2025 | $726 million | 40,222 | $445 million | 13.81% | 0.32% |
| Q2 2025 | $650 million | 38,116 | $379 million | 14.01% | 0.46% |
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 1.3 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 12 sites for Legacy Community 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.
- Main Office
1400 20Th St S, Birmingham, AL 35205 - PRINCETON
701 Princeton Ave Sw, Birmingham, AL 35211 - MEADOWBROOK
200 Corporate Rdg, Birmingham, AL 35242 - HUFFMAN
9825 Parkway E, Birmingham, AL 35215 - CHACE LAKE
1880 Chace Dr, Hoover, AL 35244 - TRUSSVILLE
6001 Service Rd, Birmingham, AL 35235 - UAB
1920 4Th Ave S, Birmingham, AL 35233 - CORPORATE (main office)
100 Corporate Rdg Ste 200, Birmingham, AL 35242 - ALABASTER
810 Colonial Promenade Pkwy, Alabaster, AL 35007 - Homewood
47 W Oxmoor Rd, Birmingham, AL 35209 - McCalla
4681 Bell Hill Rd, Bessemer, AL 35022 - Cullman
420 2Nd Ave Sw, Cullman, AL 35055
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