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Birmingham City Credit Union


Overview / Commentary
www.cobgecu.net
205-583-4654
708 17th St N
Birmingham, AL 35203-2020

Birmingham City Credit Union is headquartered in Birmingham and is the 77th largest credit union in the state of Alabama. It is also the 4,096th largest credit union in the nation. It was established in 1956 and as of December of 2019, it had grown to 5 employees and 2,198 members at 1 location. Birmingham City Credit Union's savings rates are 92% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Birmingham City Credit Union is open to Birmingham City employees that did not qualify for membership in the Fire or Police CU along with their family members.
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Health
C+

Data as of Q4 2019

Learn why bank health matters
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. Birmingham City Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #64528
Year Chartered1956
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD6.01%
Annual Interest Income$702.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$9.0MM$8.8MM
LoansQ4 2019vs Q4 2018$7.4MM$6.8MM
DepositsQ4 2019vs Q4 2018$7.4MM$7.3MM
Equity CapitalQ4 2019vs Q4 2018$1.5MM$1.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$80.00K$73.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$79.00K$113.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Birmingham City Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$75k*-Share Savings
OTHER TIERS: 0.25% → $100 - $10k | 0.50% → $10k - $25k | 0.75% → $25k - $75k
0.25%--Vacation Club
0.25%--Christmas Club
0.25%--Kids Savings Club

Birmingham City Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-60 Month CD
2.40%$500-20 Month CD
2.25%$500-48 Month CD
2.00%$500-36 Month CD
1.50%$500-24 Month CD
1.25%$500-18 Month CD
1.00%$500-12 Month CD
0.60%$500-6 Month CD
0.35%$500-3 Month CD
Locations


Birmingham City Credit Union Locations
Branch Office708 17th St NBirmingham, AL 35203-2020

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