Overview / Commentary
Birmingham City Credit Union is headquartered in Birmingham and is the 73rd largest credit union in the state of Alabama. It is also the 3,671st largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 4 employees and 2,557 members at 1 location. Birmingham City Credit Union has a C+ health rating.
Field of Membership Restrictions
Birmingham City Credit Union is open to City employees, their immediate family, and individuals who are not eligible for membership in the city's Fire Credit Union or Police Credit Union
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1956 |
| Employees | 4 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 6.52% |
| Return on Equity - YTD | 32.61% |
| Annual Interest Income | $214K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $9.6MM$10.1MM |
| Loans | Q1 2025vs Q1 2024 | $7.2MM$7.4MM |
| Deposits | Q1 2025vs Q1 2024 | $7.6MM$8.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1.9MM$1.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $305K$178K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $0$50K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |