Sixth Avenue Baptist Federal Credit Union Birmingham, Alabama
Sixth Avenue Baptist Federal Credit Union is a federal credit union headquartered in Birmingham, AL, established in 1963 (NCUA charter 15938), and it is regulated and insured by the NCUA. At Q2 2026 it reported 832 members and total assets of $5.2M (down 2.8% from Q2 2025), the 76th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 9.37% at Q2 2026, in the well capitalized band.
Also written as Sixth Avenue Baptist FCU
BankRegReports is independent of Sixth Avenue Baptist Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 15938
- Headquarters
- Birmingham, AL
- Established
- 1963
- Total assets, Q2 2026
- $5.2M
- Assets vs Q2 2025
- -2.8%
- Members, Q2 2026
- 832
- Net worth ratio, Q2 2026
- 9.37%
- Latest call report
- Q2 2026, NCUA 5300 · Sixth Avenue Baptist Federal Credit Union call report
- Asset rank in state
- 76th of 87 in Alabama
- Routing number
- 262086477
- Branches
- 1
It has 13 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 0.48 percentage points from 8.89% on June 30, 2025. Used vehicle loans are its largest loan category, $1.8M of $3.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 12.33% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.37% net worth ratio is below that band's 14.31% median.
Frequently asked about Sixth Avenue Baptist Federal Credit Union
How big is Sixth Avenue Baptist Federal Credit Union?
At Q2 2026 it reported total assets of $5.2M and 832 members.
Where is Sixth Avenue Baptist Federal Credit Union headquartered?
It is headquartered in Birmingham, AL, United States.
When was Sixth Avenue Baptist Federal Credit Union founded?
It was established in 1963, per NCUA records.
Is Sixth Avenue Baptist Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15938): 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 Sixth Avenue Baptist Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sixth Avenue Baptist Federal Credit Union well capitalized?
Its net worth ratio was 9.37% 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 Sixth Avenue Baptist Federal Credit Union's delinquency ratio?
Its delinquency ratio was 12.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sixth Avenue Baptist Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Birmingham, AL 35211
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 15938
- RSSD ID
- 492883
- Members
- 832
- Potential members
- 5,000
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 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.37% | 14.31% | 12th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.15% | 0.72% | 25th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.62% | 4.74% | 29th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.48% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 97.63% | 79.83% | 18th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.16% | 0.78% | 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 12.33% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.64% | 4.70% | 81st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.82% | 58.92% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.2M total assets against $5.3M; $4.7M total shares and deposits against $4.9M; $3.9M total loans against $3.6M.
$487K net worth against $476K.
9.37% net worth ratio against 8.89%.
82.82% loan-to-share ratio against 74.76%.
12.33% delinquency ratio against 14.79%.
0.15% return on assets against -0.20%; 1.62% return on equity against -2.19%.
5.48% net interest margin against 5.17%.
832 members against 845.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.37% | 0.15% | 12.33% | 82.82% |
| March 31, 2026 | 9.27% | 1.07% | 10.02% | 82.60% |
| December 31, 2025 | 9.03% | -2.63% | 14.57% | 77.80% |
| September 30, 2025 | 9.61% | 2.28% | 16.09% | 77.12% |
| June 30, 2025 | 8.89% | -0.20% | 14.79% | 74.76% |
| March 31, 2025 | 9.03% | 5.63% | 2.84% | 75.34% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.