Headquartered in Birmingham, Alabama, Health Credit Union is a federally insured state-chartered credit union with $27.6M in total assets and $21.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.
Based on its Q2 2026 filing, Health Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 67th. Its strongest component is capital cushion (100/100; 22.33%), and its lowest is earnings (25/100; 0.13%).
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 14 points (51 → 65), mostly because the loan quality component improved by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 59 |
| Q4 2024 | 68 |
| Q1 2025 | 68 |
| Q2 2025 | 51 |
| Q3 2025 | 56 |
| Q4 2025 | 60 |
| Q1 2026 | 60 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 21.93% |
| Q3 2024 | 21.95% |
| Q4 2024 | 22.00% |
| Q1 2025 | 21.72% |
| Q2 2025 | 21.45% |
| Q3 2025 | 21.77% |
| Q4 2025 | 22.20% |
| Q1 2026 | 22.42% |
| Q2 2026 | 22.33% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 2.88% |
| Q4 2024 | 1.84% |
| Q1 2025 | 2.20% |
| Q2 2025 | 3.40% |
| Q3 2025 | 2.73% |
| Q4 2025 | 2.14% |
| Q1 2026 | 2.28% |
| Q2 2026 | 1.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.79% |
| Q2 2025 | -0.41% |
| Q3 2025 | -0.03% |
| Q4 2025 | -0.12% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $27.6M | 22.33% | 1.72% | 0.13% | 93.7% |
| Q1 2026 | 60 | $27.4M | 22.42% | 2.28% | 0.13% | 92.0% |
| Q4 2025 | 60 | $27.6M | 22.20% | 2.14% | -0.12% | 89.3% |
| Q3 2025 | 56 | $28.3M | 21.77% | 2.73% | -0.03% | 82.6% |
| Q2 2025 | 51 | $28.5M | 21.45% | 3.40% | -0.41% | 78.4% |
| Q1 2025 | 68 | $28.7M | 21.72% | 2.20% | 0.79% | 79.5% |
| Q4 2024 | 68 | $28.0M | 22.00% | 1.84% | 0.53% | 83.5% |
| Q3 2024 | 59 | $27.9M | 21.95% | 2.88% | 0.52% | 83.9% |
| Q2 2024 | 71 | $27.7M | 21.93% | 1.43% | 0.44% | 82.9% |
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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ang Federal Credit UnionCredit union Birmingham, AL | 74 out of 100, Strong | $24.4M | 10.1% | 0.40% | vs |
| Chattahoochee Federal Credit UnionCredit union Valley, AL | 87 out of 100, Very strong | $23.4M | 15.0% | 0.51% | vs |
| Baldwin County Federal Credit UnionCredit union Bay Minette, AL | 78 out of 100, Strong | $32.4M | 12.0% | 0.27% | vs |
| The Infirmary Federal Credit UnionCredit union Mobile, AL | 81 out of 100, Strong | $32.6M | 14.0% | 0.63% | vs |
| Covington Schools Federal Credit UnionCredit union Andalusia, AL | 54 out of 100, Below average | $22.4M | 31.6% | 6.12% | vs |
| City Credit UnionCredit union Tuscaloosa, AL | 86 out of 100, Very strong | $21.3M | 24.0% | 0.79% | vs |
Deposit insurance
Is my money safe at Health Credit Union?
Yes. Health Credit Union is a federally insured credit union (NCUA charter #62664). 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 2.9% of shares and deposits ($619K) 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 22.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Health Credit Union lists 1 office in 1 city. Most locations:
- Birmingham, AL (1)
Identity & history
Profile
- Legal name
- Health Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62664
- RSSD ID
- 985394
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 1400 6TH Ave S, Birmingham, AL 35233
- Employees
- 5
Quick answers
Health Credit Union: common questions
Is Health Credit Union NCUA insured?
Yes. Health Credit Union is a federally insured credit union (NCUA charter #62664). 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 Health Credit Union's TellerScore?
65 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 Health Credit Union have?
1 office 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 |