Southern Research Institute Employees Federal Credit Union Birmingham, Alabama
Southern Research Institute Employees Federal Credit Union is a federal credit union headquartered in Birmingham, AL, established in 1956 (NCUA charter 11123), and it is regulated and insured by the NCUA. At Q2 2026 it reported 177 members and total assets of $3.7M (down 3.7% from Q2 2025), the 79th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 38.07% at Q2 2026, in the well capitalized band.
Also written as Southern Research Institute Employees FCU
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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
- 11123
- Headquarters
- Birmingham, AL
- Established
- 1956
- Total assets, Q2 2026
- $3.7M
- Assets vs Q2 2025
- -3.7%
- Members, Q2 2026
- 177
- Net worth ratio, Q2 2026
- 38.07%
- Latest call report
- Q2 2026, NCUA 5300 · Southern Research Institute Employees Federal Credit Union call report
- Asset rank in state
- 79th of 87 in Alabama
- Routing number
- 262084806
- Branches
- 2
It has 12 more members than on June 30, 2025 (+7.3%). Its net worth ratio was up 1.54 percentage points from 36.53% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $519K of $749K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Alabama
Frequently asked about Southern Research Institute Employees Federal Credit Union
How big is Southern Research Institute Employees Federal Credit Union?
At Q2 2026 it reported total assets of $3.7M and 177 members.
Where is Southern Research Institute Employees Federal Credit Union headquartered?
It is headquartered in Birmingham, AL, United States.
When was Southern Research Institute Employees Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Southern Research Institute Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11123): 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 Southern Research Institute Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Southern Research Institute Employees Federal Credit Union well capitalized?
Its net worth ratio was 38.07% 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 Southern Research Institute Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 32.96% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Birmingham, AL 35205
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 11123
- RSSD ID
- 673785
- Members
- 177
- Potential members
- 250
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 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 38.07% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.27% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.71% | 4.74% | 24th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.07% | 3.93% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 82.48% | 79.83% | 44th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.05% | 0.78% | 35th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.12% | 4.70% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 32.96% | 58.92% | 15th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.7M total assets against $3.8M; $2.3M total shares and deposits against $2.4M; $749K total loans against $506K.
$1.4M net worth against $1.4M.
38.07% net worth ratio against 36.53%.
32.96% loan-to-share ratio against 20.85%.
0.27% return on assets against 0.68%; 0.71% return on equity against 1.87%.
3.07% net interest margin against 3.05%.
177 members against 165.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 38.07% | 0.27% | — | 32.96% |
| March 31, 2026 | 38.55% | -0.03% | — | 35.14% |
| December 31, 2025 | 37.55% | 0.73% | 0.43% | 35.32% |
| September 30, 2025 | 37.62% | -0.12% | — | 29.39% |
| June 30, 2025 | 36.53% | 0.68% | 0.17% | 20.85% |
| March 31, 2025 | 36.24% | -0.93% | 0.72% | 21.94% |
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.