Overview / Commentary
205-944-1192
47 W Oxmoor Rd
Birmingham, AL 35209

1st Resource Credit Union is headquartered in Birmingham and is the 44th largest credit union in the state of Alabama. It is also the 2,558th largest credit union in the nation. It was established in 1940 and as of December of 2018, it had grown to 7 employees and 2,439 members at 2 locations. 1st Resource Credit Union's CD rates are 97% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

membership is open to those who live, work or worship in Montgomery or Jefferson Counties in Alabama and to employees of Alagasco and the Energen Corporation.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Resource Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #64232
Year Chartered1940
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD8.65%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$39.6MM$37.4MM
LoansQ4 2018vs Q4 2017$28.7MM$31.1MM
DepositsQ4 2018vs Q4 2017$35.0MM$33.2MM
Equity CapitalQ4 2018vs Q4 2017$4.5MM$4.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$153.00K$175.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$164.00K$29.00K
Real Estate OwnedQ4 2018vs Q4 2017$37.00K$0
Rates
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1st Resource Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.26%$100-IRA Savings Account
0.75%$100-Regular Share Savings Account

1st Resource Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.28%$500-60 Month Share Certificate
2.02%$500-48 Month Share Certificate
1.97%$500-36 Month Share Certificate
1.87%$500-24 Month Share Certificate
1.77%$500-12 Month Share Certificate
1.56%$500-6 Month Share Certificate

1st Resource Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.28%$100-60 Month IRA Share Certificate
2.02%$100-48 Month IRA Share Certificate
1.97%$100-36 Month IRA Share Certificate
1.87%$100-24 Month IRA Share Certificate
1.77%$100-12 Month IRA Share Certificate
1.56%$100-6 Month IRA Share Certificate
Locations


1st Resource Credit Union Locations
Branch Office47 W Oxmoor RdBirmingham, AL 35209
Branch Office2914 Chestnut StMontgomery, AL 36107

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