TellerScore

Headquartered in Birmingham, Alabama, Sixth Avenue Baptist Federal Credit Union is a federal credit union with $5.2M in total assets and $4.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1963.

Based on its Q2 2026 filing, Sixth Avenue Baptist Federal Credit Union scores 34/100, which we describe as low. That is higher than only 2% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 84th. Its strongest component is funding & liquidity (77/100; 83% loans-to-deposits, 0% uninsured), and its lowest is problem-loan coverage (0/100; 93.6%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.37%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 12.33%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity77/100
Loans ÷ shares: 82.8% · 0.0% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 93.62%

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 10 points (44 → 34), mostly because the earnings component weakened by 55 points.

TellerScore
324252Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202432
Q3 202439
Q4 202447
Q1 202552
Q2 202544
Q3 202546
Q4 202539
Q1 202637
Q2 202634
Net worth ratio
7.00%8.30%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.46%
Q3 20247.85%
Q4 20248.01%
Q1 20259.03%
Q2 20258.89%
Q3 20259.61%
Q4 20259.03%
Q1 20269.27%
Q2 20269.37%
Delinquent loans (60+ days)
1.44%8.76%16.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.55%
Q3 20242.34%
Q4 20241.44%
Q1 20252.84%
Q2 202514.79%
Q3 202516.09%
Q4 202514.57%
Q1 202610.02%
Q2 202612.33%
Return on assets
0.19%2.91%5.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.32%
Q4 20240.19%
Q1 20255.63%
Q2 20252.69%
Q3 20252.58%
Q4 20251.30%
Q1 20261.07%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202634$5.2M9.37%12.33%0.61%82.8%
Q1 202637$5.2M9.27%10.02%1.07%82.6%
Q4 202539$5.2M9.03%14.57%1.30%77.8%
Q3 202546$5.3M9.61%16.09%2.58%77.1%
Q2 202544$5.3M8.89%14.79%2.69%74.8%
Q1 202552$5.3M9.03%2.84%5.63%75.3%
Q4 202447$5.0M8.01%1.44%0.19%77.4%
Q3 202439$5.2M7.85%2.34%0.32%71.8%
Q2 202432$5.4M7.46%3.55%0.30%66.1%

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 ratio9.37%
11th
Problem loans12.33%
1st
Net charge-offs0.41%
31st
Return on assets0.61%
48th
Loans to deposits82.8%
16th
Uninsured deposits0.0%
81st
Loan-loss reserves0.78%
81st
Texas ratio93.6%
0th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Chemco Credit UnionCredit union Mc Intosh, AL79 out of 100, Strong$5.3M20.0%0.26%vs
Tvh Federal Credit UnionCredit union Tuskegee, AL76 out of 100, Strong$5.1M23.4%0.41%vs
Chem Family Credit UnionCredit union Anniston, AL88 out of 100, Very strong$4.1M28.1%0.00%vs
Alabama Postal Credit UnionCredit union Birmingham, AL96 out of 100, Very strong$6.4M44.5%0.28%vs
S R I Employees Federal Credit UnionCredit union Birmingham, AL85 out of 100, Very strong$3.7M38.1%0.00%vs
Demopolis Federal Credit UnionCredit union Demopolis, AL92 out of 100, Very strong$3.3M54.9%0.54%vs

Deposit insurance

Is my money safe at Sixth Avenue Baptist Federal Credit Union?

Yes. Sixth Avenue Baptist Federal Credit Union is a federally insured credit union (NCUA charter #15938). 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 0.0% of shares and deposits ($0) 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 9.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Sixth Avenue Baptist Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sixth Avenue Baptist Federal Credit Union
Type
Federal credit union
NCUA charter #
15938
RSSD ID
492883
Primary regulator
NCUA
Established
1963
Headquarters
1101 Martin Luther King Jr Dr, Birmingham, AL 35211
Employees
3

Quick answers

Sixth Avenue Baptist Federal Credit Union: common questions

Is Sixth Avenue Baptist Federal Credit Union NCUA insured?

Yes. Sixth Avenue Baptist Federal Credit Union is a federally insured credit union (NCUA charter #15938). 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 Sixth Avenue Baptist Federal Credit Union's TellerScore?

34 out of 100 (Low), 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 Sixth Avenue Baptist Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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