Alabama Central Credit Union is a federally insured state-chartered credit union headquartered in Birmingham, Alabama, in business for about 88 years. At the end of Q2 2026 it reported $214.0M in total assets and $192.6M in member shares and deposits, with 9 offices.
Based on its Q2 2026 filing, Alabama Central Credit Union scores 69/100, which we describe as moderate. That is higher than only 48% of 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 60th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (46/100; 9.64%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 62 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.74% |
| Q3 2024 | 9.00% |
| Q4 2024 | 9.12% |
| Q1 2025 | 9.13% |
| Q2 2025 | 9.16% |
| Q3 2025 | 9.29% |
| Q4 2025 | 9.51% |
| Q1 2026 | 9.30% |
| Q2 2026 | 9.64% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $214.0M | 9.64% | 0.44% | 0.94% | 73.4% |
| Q1 2026 | 68 | $216.4M | 9.30% | 0.27% | 0.70% | 70.4% |
| Q4 2025 | 68 | $207.6M | 9.51% | 0.34% | 0.76% | 74.3% |
| Q3 2025 | 70 | $209.4M | 9.29% | 0.10% | 0.82% | 75.3% |
| Q2 2025 | 69 | $207.4M | 9.16% | 0.15% | 0.79% | 75.5% |
| Q1 2025 | 68 | $204.8M | 9.13% | 0.21% | 0.78% | 77.5% |
| Q4 2024 | 66 | $200.7M | 9.12% | 0.39% | 0.86% | 80.9% |
| Q3 2024 | 62 | $199.7M | 9.00% | 0.72% | 0.93% | 85.4% |
| Q2 2024 | 63 | $200.2M | 8.74% | 0.58% | 0.92% | 86.9% |
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 |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | 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 |
| Eco Credit UnionCredit union Birmingham, AL | 72 out of 100, Strong | $195.1M | 11.8% | 0.86% | vs |
| Riverfall Credit UnionCredit union Tuscaloosa, AL | 60 out of 100, Moderate | $193.9M | 11.9% | 1.93% | vs |
Deposit insurance
Is my money safe at Alabama Central Credit Union?
Yes. Alabama Central Credit Union is a federally insured credit union (NCUA charter #60712). 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 ($7.4M) 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 9.64%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
9 locations
Branches
Alabama Central Credit Union lists 9 offices in 7 cities. Most locations:
- Birmingham, AL (2)
- Florence, AL (2)
- Decatur, AL (1)
- Mobile, AL (1)
- Muscle Shoals, AL (1)
- Russellville, AL (1)
- Tuscaloosa, AL (1)
Identity & history
Profile
- Legal name
- Alabama Central Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60712
- RSSD ID
- 468990
- Primary regulator
- State + NCUA
- Established
- 1938
- Headquarters
- 3601 4th Ave S, Birmingham, AL 35222
- Employees
- 56
Quick answers
Alabama Central Credit Union: common questions
Is Alabama Central Credit Union NCUA insured?
Yes. Alabama Central Credit Union is a federally insured credit union (NCUA charter #60712). 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 Alabama Central Credit Union's TellerScore?
69 out of 100 (Moderate), 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 Alabama Central Credit Union have?
9 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 |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | 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 |