Federal credit union · BIRMINGHAM, Alabama · NCUA charter #16500
ACIPCO
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $207.4M
- Total assets
- 8,894
- Members
- 14.4%
- Net-worth ratio
ACIPCO scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $207.4M; members 8,894; net-worth ratio 14.43%; health rank #600 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#600 of 4,374 health · 2025Q4ACIPCO · health 93/100 · $207.4M · 2025Q4
Call Report peers
ACIPCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACIPCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACIPCO sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ACIPCO: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 14.43% here, 12.11% peer average (+2.32 pp).
- Widest shortfall vs peers is Return on Assets: -0.33 pp (0.29% vs 0.62%).
Where ACIPCO sits in Alabama
- Health composite ranks #11 of 89 among scored Alabama credit unions.
- Alabama assets place: #28 of 89.
- Member book place in Alabama: #33 of 89.
- One place up in Alabama, Coosa Pines (#10) ties at 93/100; one place down, Tuscaloosa V a (#12) ties at 93/100.
How ACIPCO's 5300 filing moved
ACIPCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $207.4M (2025Q4) to $211.9M (2026Q1).
- Net-worth ratio shifted +0.18 pp (14.25% → 14.43%).
At 14.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
ACIPCO gives up 7 points in total. Member Growth costs the most, 3.6 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.43% | +2.32 pp |
| Delinquency Rate | 0.12% | -0.77 pp |
| Return on Assets | 0.29% | -0.33 pp |
| Member Growth | 1.97% | - |
| Loan-to-Share Ratio | 73.87% | +1.67 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - ACIPCO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $211.9M | - |
| 2025Q4 | $207.4M | 8,894 |
| 2024Q4 | $195.7M | 8,722 |
| 2023Q4 | $192.4M | 8,547 |
Credit Union Details
- Charter Number
- 16500
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- BIRMINGHAM
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, ACIPCO runs 2 offices.
| Office | City |
|---|---|
| ACIPCO Federal Credit Union (Main Office) | Birmingham, AL |
| Legacy Credit Union | Birmingham, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
ACIPCO nationwide neighbourhoods
Using this data
- ACIPCO ranks #600 of 4,374 nationally on financial health and #11 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alabama Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alabama Central
Frequently Asked Questions
Is ACIPCO financially healthy?
On its 2025Q4 NCUA 5300 filing, ACIPCO scores 93/100 (Excellent), with a 14.43% net worth ratio and 0.12% of loans delinquent. It ranks #600 of 4,374 nationally on health and #11 of 89 in Alabama.
How does ACIPCO compare to other credit unions?
ACIPCO scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.43% vs 12.11%). Its widest shortfall is return on assets (0.29% vs 0.62%).
How can I join ACIPCO?
ACIPCO is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact ACIPCO directly to confirm eligibility.
Is my money safe at ACIPCO?
ACIPCO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ACIPCO's net worth ratio of 14.43% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.