Acipco Federal Credit Union (NCUA charter #16500) is based in Birmingham, Alabama. Its Q2 2026 call report shows $221.5M in total assets and $191.3M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Acipco Federal Credit Union scores 94/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 6th. Its strongest component is earnings (100/100; 2.15%), and its lowest is funding & liquidity (87/100; 73% loans-to-deposits, 4% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (91 → 94), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 94 |
| Q4 2024 | 80 |
| Q1 2025 | 92 |
| Q2 2025 | 91 |
| Q3 2025 | 95 |
| Q4 2025 | 81 |
| Q1 2026 | 95 |
| Q2 2026 | 94 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.61% |
| Q3 2024 | 15.38% |
| Q4 2024 | 14.86% |
| Q1 2025 | 14.73% |
| Q2 2025 | 14.74% |
| Q3 2025 | 15.14% |
| Q4 2025 | 14.25% |
| Q1 2026 | 14.43% |
| Q2 2026 | 14.37% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.21% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.65% |
| Q4 2024 | 0.31% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.91% |
| Q3 2025 | 1.98% |
| Q4 2025 | 0.29% |
| Q1 2026 | 2.12% |
| Q2 2026 | 2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $221.5M | 14.37% | 0.21% | 2.15% | 73.2% |
| Q1 2026 | 95 | $211.9M | 14.43% | 0.10% | 2.12% | 73.1% |
| Q4 2025 | 81 | $207.4M | 14.25% | 0.12% | 0.29% | 73.9% |
| Q3 2025 | 95 | $212.1M | 15.14% | 0.36% | 1.98% | 71.9% |
| Q2 2025 | 91 | $210.1M | 14.74% | 0.59% | 1.91% | 72.8% |
| Q1 2025 | 92 | $203.0M | 14.73% | 0.45% | 1.87% | 74.4% |
| Q4 2024 | 80 | $195.7M | 14.86% | 0.36% | 0.31% | 77.4% |
| Q3 2024 | 94 | $201.4M | 15.38% | 0.09% | 1.65% | 76.8% |
| Q2 2024 | 89 | $205.3M | 14.61% | 0.34% | 1.46% | 75.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Naheola Credit UnionCredit union Pennington, AL | 74 out of 100, Strong | $219.6M | 18.0% | 1.97% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |
| Fort McClellan Credit UnionCredit union Anniston, AL | 68 out of 100, Moderate | $224.1M | 12.7% | 1.17% | vs |
| Alabama Central Credit UnionCredit union Birmingham, AL | 69 out of 100, Moderate | $214.0M | 9.6% | 0.44% | vs |
| Mutual Savings Credit UnionCredit union Birmingham, AL | 65 out of 100, Moderate | $242.8M | 9.1% | 0.19% | vs |
| Eco Credit UnionCredit union Birmingham, AL | 72 out of 100, Strong | $195.1M | 11.8% | 0.86% | vs |
Deposit insurance
Is my money safe at Acipco Federal Credit Union?
Yes. Acipco Federal Credit Union is a federally insured credit union (NCUA charter #16500). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.8% of shares and deposits ($7.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Acipco Federal Credit Union lists 2 offices in 1 city. Most locations:
- Birmingham, AL (2)
HMDA 2025
Mortgage lending
In 2025, Acipco Federal Credit Union reported 87 home-loan applications under HMDA (LEI 254900OYJ23M4J7IJI76): 52 originated ($14,310,000 total), 12 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Acipco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16500
- RSSD ID
- 806284
- Primary regulator
- NCUA
- Established
- 1964
- Headquarters
- Po Box 2727, Birmingham, AL 35202
- Employees
- 20
Quick answers
Acipco Federal Credit Union: common questions
Is Acipco Federal Credit Union NCUA insured?
Yes. Acipco Federal Credit Union is a federally insured credit union (NCUA charter #16500). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Acipco Federal Credit Union's TellerScore?
94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Acipco Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Birmingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |