Alabama Postal Credit Union Birmingham, Alabama
Alabama Postal Credit Union is a state-chartered credit union headquartered in Birmingham, AL, established in 1927 (NCUA charter 64645), and it is regulated and insured by the NCUA. At Q2 2026 it reported 924 members and total assets of $6.4M (up 1.6% from Q2 2025), the 74th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 44.48% at Q2 2026, in the well capitalized band.
Also written as Alabama Postal CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64645
- Headquarters
- Birmingham, AL
- Established
- 1927
- Total assets, Q2 2026
- $6.4M
- Assets vs Q2 2025
- +1.6%
- Members, Q2 2026
- 924
- Net worth ratio, Q2 2026
- 44.48%
- Latest call report
- Q2 2026, NCUA 5300 · Alabama Postal Credit Union call report
- Asset rank in state
- 74th of 87 in Alabama
- Routing number
- 262087515
- Branches
- 1
It has 29 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 1.35 percentage points from 43.13% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $2.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 44.48% net worth ratio is above that band's 14.31% median.
Frequently asked about Alabama Postal Credit Union
How big is Alabama Postal Credit Union?
At Q2 2026 it reported total assets of $6.4M and 924 members.
Where is Alabama Postal Credit Union headquartered?
It is headquartered in Birmingham, AL, United States.
When was Alabama Postal Credit Union founded?
It was established in 1927, per NCUA records.
Is Alabama Postal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64645): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Alabama Postal Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Alabama Postal Credit Union well capitalized?
Its net worth ratio was 44.48% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Alabama Postal Credit Union's delinquency ratio?
Its delinquency ratio was 0.28% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Alabama Postal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Birmingham, AL 35203
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1927
- NCUA Charter #
- 64645
- RSSD ID
- 915391
- Members
- 924
- Potential members
- 2,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 44.48% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.69% | 0.72% | 85th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.79% | 4.74% | 44th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.11% | 3.93% | 88th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 69.02% | 79.83% | 73rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.23% | 0.78% | 25th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.28% | 0.86% | 80th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.34% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 63.98% | 58.92% | 57th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.4M total assets against $6.3M; $3.5M total shares and deposits against $3.6M; $2.3M total loans against $2.2M.
$2.8M net worth against $2.7M.
44.48% net worth ratio against 43.13%.
63.98% loan-to-share ratio against 62.82%.
0.28% delinquency ratio against 1.77%.
1.69% return on assets against 2.15%; 3.79% return on equity against 4.99%.
5.11% net interest margin against 5.54%.
924 members against 895.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 44.48% | 1.69% | 0.28% | 63.98% |
| March 31, 2026 | 44.24% | 2.02% | 2.84% | 61.53% |
| December 31, 2025 | 43.65% | 1.62% | 2.66% | 63.81% |
| September 30, 2025 | 43.52% | 2.84% | 4.50% | 64.52% |
| June 30, 2025 | 43.13% | 2.15% | 1.77% | 62.82% |
| March 31, 2025 | 44.39% | 2.54% | 2.61% | 69.23% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.