City of Birmingham General Employees Credit Union Birmingham, Alabama
City of Birmingham General Employees Credit Union is a state-chartered credit union headquartered in Birmingham, AL, established in 1956 (NCUA charter 64528), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,692 members and total assets of $9.7M (down 0.5% from Q2 2025), the 70th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 18.92% at Q2 2026, in the well capitalized band.
Also written as City of Birmingham General Employees 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
- 64528
- Headquarters
- Birmingham, AL
- Established
- 1956
- Total assets, Q2 2026
- $9.7M
- Assets vs Q2 2025
- -0.5%
- Members, Q2 2026
- 2,692
- Net worth ratio, Q2 2026
- 18.92%
- Latest call report
- Q2 2026, NCUA 5300 · City of Birmingham General Employees Credit Union call report
- Asset rank in state
- 70th of 87 in Alabama
- Routing number
- 262088019
- Branches
- 1
It has 104 more members than on June 30, 2025 (+4.0%). Its net worth ratio was down 0.79 percentage points from 19.71% on June 30, 2025. Used vehicle loans are its largest loan category, $4.7M of $6.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.92% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.92% net worth ratio is above that band's 14.31% median.
Frequently asked about City of Birmingham General Employees Credit Union
How big is City of Birmingham General Employees Credit Union?
At Q2 2026 it reported total assets of $9.7M and 2,692 members.
Where is City of Birmingham General Employees Credit Union headquartered?
It is headquartered in Birmingham, AL, United States.
When was City of Birmingham General Employees Credit Union founded?
It was established in 1956, per NCUA records.
Is City of Birmingham General Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64528): 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 City of Birmingham General Employees 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 City of Birmingham General Employees Credit Union well capitalized?
Its net worth ratio was 18.92% 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 City of Birmingham General Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.92% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is City of Birmingham General Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.31% 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
- 1956
- NCUA Charter #
- 64528
- RSSD ID
- 2590
- Members
- 2,692
- Potential members
- 3,600
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 1 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% | 18.92% | 14.31% | 73rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.07% | 0.72% | 65th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.62% | 4.74% | 56th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 8.18% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 83.29% | 79.83% | 43rd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.62% | 0.78% | 60th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.92% | 0.86% | 49th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 8.80% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 85.31% | 58.92% | 86th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.7M total assets against $9.7M; $7.8M total shares and deposits against $7.7M; $6.7M total loans against $7.2M.
$1.8M net worth against $1.9M.
18.92% net worth ratio against 19.71%.
85.31% loan-to-share ratio against 93.54%.
0.92% delinquency ratio against 1.37%.
1.07% return on assets against 1.82%; 5.62% return on equity against 9.22%.
8.18% net interest margin against 8.13%.
2,692 members against 2,588.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.92% | 1.07% | 0.92% | 85.31% |
| March 31, 2026 | 19.14% | -0.09% | 0.26% | 79.52% |
| December 31, 2025 | 19.64% | -0.34% | 1.67% | 87.24% |
| September 30, 2025 | 21.00% | 1.82% | 1.43% | 92.02% |
| June 30, 2025 | 19.71% | 1.82% | 1.37% | 93.54% |
| March 31, 2025 | 19.50% | 6.36% | — | 94.73% |
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.