TellerScore

Birmingham City Credit Union (NCUA charter #64528) is based in Birmingham, Alabama. Its Q2 2026 call report shows $9.7M in total assets and $7.8M in member shares and deposits.

Birmingham City Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 42nd. Capital cushion contributes the most (100/100, 18.92%); earnings contributes the least (40/100, 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.92%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity75/100
Loans ÷ shares: 85.3% · 1.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.33%

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 fell 6 points (82 → 76), mostly because the earnings component weakened by 60 points.

TellerScore
708395Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202479
Q4 202470
Q1 202595
Q2 202582
Q3 202582
Q4 202581
Q1 202678
Q2 202676
Net worth ratio
7.00%14.00%21.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.01%
Q3 202418.94%
Q4 202418.89%
Q1 202519.50%
Q2 202519.71%
Q3 202521.00%
Q4 202519.64%
Q1 202619.14%
Q2 202618.92%
Delinquent loans (60+ days)
0.00%0.84%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.88%
Q4 20240.98%
Q1 20250.00%
Q2 20251.37%
Q3 20251.43%
Q4 20251.67%
Q1 20260.26%
Q2 20260.92%
Return on assets
-0.09%3.13%6.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.10%
Q4 20240.16%
Q1 20256.36%
Q2 20254.05%
Q3 20253.42%
Q4 20252.32%
Q1 2026-0.09%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$9.7M18.92%0.92%0.49%85.3%
Q1 202678$10.2M19.14%0.26%-0.09%79.5%
Q4 202581$9.9M19.64%1.67%2.32%87.2%
Q3 202582$9.3M21.00%1.43%3.42%92.0%
Q2 202582$9.7M19.71%1.37%4.05%93.5%
Q1 202595$9.6M19.50%0.00%6.36%94.7%
Q4 202470$9.1M18.89%0.98%0.16%104.6%
Q3 202479$9.4M18.94%0.88%1.10%98.5%
Q2 202482$9.8M18.01%0.77%1.29%97.5%

2,479 peers · Under $100 million in assets

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).

Capital ratio18.92%
74th
Problem loans0.92%
42nd
Net charge-offs3.29%
3rd
Return on assets0.49%
41st
Loans to deposits85.3%
14th
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio3.3%
40th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Marvel City Federal Credit UnionCredit union Bessemer, AL80 out of 100, Strong$9.0M18.2%1.02%vs
Opp-Micolas Credit UnionCredit union Opp, AL67 out of 100, Moderate$10.4M25.2%1.46%vs
Blue Flame Credit UnionCredit union Mobile, AL90 out of 100, Very strong$10.7M15.4%0.00%vs
L&n Employees Credit UnionCredit union Birmingham, AL52 out of 100, Below average$8.3M18.2%5.29%vs
Tuskegee Federal Credit UnionCredit union Tuskegee, AL17 out of 100, Low$11.3M4.2%4.29%vs
Fireman'S Credit UnionCredit union Birmingham, AL81 out of 100, Strong$7.4M35.9%0.80%vs

Deposit insurance

Is my money safe at Birmingham City Credit Union?

Yes. Birmingham City Credit Union is a federally insured credit union (NCUA charter #64528). 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 1.3% of shares and deposits ($100K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Birmingham City Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64528
RSSD ID
2590
Primary regulator
State + NCUA
Established
1956
Headquarters
2725 35th Ave N, Birmingham, AL 35207
Employees
5

Quick answers

Birmingham City Credit Union: common questions

Is Birmingham City Credit Union NCUA insured?

Yes. Birmingham City Credit Union is a federally insured credit union (NCUA charter #64528). 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 Birmingham City Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.