Charter 60501 · Birmingham, AL
Mutual Savings Credit Union
Mutual Savings Credit Union is a state-chartered credit union in Birmingham, Alabama, with $243 million in assets and 18,931 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.06%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $243 million
- +0.7% in a year
- Members
- 18,931
- -1.3% in a year
- Net worth ratio
- 9.06%
- Peer median 11.65%
- Loans 60+ days late
- 0.19%
- Peer median 0.70%
- Loans outstanding
- $146 million
- +5.5% in a year
- Shares and deposits
- $214 million
- +0.2% in a year
- Branches
- 7
- 74 employees
- Opened
- 1936
- Alabama charter
How Mutual Savings Credit Union compares
NCUA groups credit unions by size; Mutual Savings Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.06% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.19%, 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 23 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 | $243 million | 18,931 | $146 million | 9.06% | 0.19% |
| Q1 2026 | $244 million | 19,012 | $147 million | 8.92% | 0.44% |
| Q4 2025 | $241 million | 19,114 | $145 million | 9.00% | 0.10% |
| Q3 2025 | $240 million | 19,132 | $142 million | 9.01% | 0.10% |
| Q2 2025 | $241 million | 19,171 | $138 million | 8.89% | 0.10% |
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 830,000 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 7 sites for Mutual Savings Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Valleydale (main office)
2040 Valleydale Rd, Hoover, AL 35244 - Alexander City
1030 Lee St, Alexander City, AL 35010 - Clanton
1501 7Th St S, Clanton, AL 35045 - Pelham
3596 Pelham Pkwy, Pelham, AL 35124 - Selma
907 Medical Center Pkwy, Selma, AL 36701 - Calera
136 Marketplace Cir Ste D, Calera, AL 35040 - Brookwood
16072 Highway 216, Brookwood, AL 35444
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