Credit Union Safety Analysis
Is Alabama Central Credit Union Safe? Birmingham, Alabama
Based on its Q2 2026 NCUA 5300 call report, Alabama Central Credit Union has a net worth ratio of 9.64%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.44%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Alabama Central Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Alabama Central Credit Union's net worth ratio is 9.64%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.64%
- Delinquency ratio (60+ days) (Q2 2026): 0.44%
- Return on assets (Q2 2026): 1.18%
- Loan-to-share ratio (Q2 2026): 73.36%
Alabama Central Credit Union (NCUA charter 60712, established 1938) reported $214.0M in assets and 18,375 members for Q2 2026 from Birmingham, Alabama. It ranks 28 of 87 credit unions in Alabama by total assets. Total assets grew 3.2% from $207.4M on June 30, 2025. It has 2,038 fewer members than on June 30, 2025 (-10.0%). Its net worth ratio was up 0.48 percentage points from 9.16% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $68.1M of $141.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.44% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.30% for Q1 2026; 9.16% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.27% for Q1 2026; 0.15% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.70% for Q1 2026; 0.81% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 70.40% for Q1 2026; 75.45% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $68.1M
- Used vehicle loans: $30.4M
- Commercial loans: $19.2M
- Other secured non-real estate loans and lines of credit: $11.1M
- New vehicle loans: $7.3M
- Unsecured credit card loans: $4.1M
- Other unsecured loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $214.0M | 9.64% | 0.44% | 1.18% | 73.36% |
| March 31, 2026 | $216.4M | 9.30% | 0.27% | 0.70% | 70.40% |
| December 31, 2025 | $207.6M | 9.51% | 0.34% | 0.55% | 74.26% |
| September 30, 2025 | $209.4M | 9.29% | 0.10% | 0.89% | 75.26% |
| June 30, 2025 | $207.4M | 9.16% | 0.15% | 0.81% | 75.45% |
| March 31, 2025 | $204.8M | 9.13% | 0.21% | 0.78% | 77.50% |
Add this badge to your website
Free to use. It shows Alabama Central Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Alabama Central Credit Union profile
Regulator records: NCUA credit union profile (charter 60712) · FFIEC NIC profile (RSSD 468990)
Frequently asked questions
Is Alabama Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alabama Central Credit Union's net worth ratio is 9.64%, above the 7% NCUA threshold for well capitalized.
Is Alabama Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alabama Central Credit Union is a federally insured credit union (NCUA charter 60712): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alabama Central Credit Union's key safety ratios?
For Q2 2026, Alabama Central Credit Union reports net worth 9.64%, delinquency 0.44%, ROA 1.18%, loan-to-share 73.36%.
What happens to my money if Alabama Central Credit Union fails?
For Q2 2026, Alabama Central Credit Union held $192.6M in shares and deposits for 18,375 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.