State credit union · Birmingham, Alabama · NCUA charter #60712
Alabama Central
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $207.6M
- Total assets
- 18,761
- Members
- 9.3%
- Net-worth ratio
Alabama Central scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $207.6M; members 18,761; net-worth ratio 9.30%; health rank #2,340 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,340 of 4,374 health · 2025Q4Alabama Central · health 83/100 · $207.6M · 2025Q4
Call Report peers
Alabama Central in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alabama Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Alabama Central sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Alabama Central
- Loan-to-Share Ratio leads the peer set - 74.26% here, 72.20% peer average (+2.06 pp).
- Largest lag: Net Worth Ratio at 9.30% vs peer 12.11% (-2.81 pp).
Alabama standing for Alabama Central
- In Alabama, health place is #49 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #27 of 89.
- Membership ranks #23 of 89 among Alabama CUs with a reported count (18,761 members).
- One place up in Alabama, GUARDIAN (#48) ties at 83/100; one place down, Family Savings (#50) ties at 83/100.
How Alabama Central's 5300 filing moved
Alabama Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $207.6M (2025Q4) to $216.4M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.51% → 9.30%).
At 9.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Alabama Central gives up 17 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Alabama Central vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.30% | -2.81 pp |
| Delinquency Rate | 0.34% | -0.56 pp |
| Return on Assets | 0.83% | +0.20 pp |
| Member Growth | -11.46% | - |
| Loan-to-Share Ratio | 74.26% | +2.06 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Alabama Central quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $216.4M | - |
| 2025Q4 | $207.6M | 18,761 |
| 2024Q4 | $200.7M | 21,190 |
| 2023Q4 | $196.1M | 22,944 |
Credit Union Details
- Charter Number
- 60712
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (9)
Alabama Central operates 9 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Birmingham, AL |
| Homewood | Birmingham, AL |
| Decatur | Decatur, AL |
| Florence | Florence, AL |
| Downtown Florence | Florence, AL |
| Mobile | Mobile, AL |
| Muscle Shoals | Muscle Shoals, AL |
| Russellville | Russellville, AL |
| Tuscaloosa | Tuscaloosa, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near Alabama Central
Similar total assets
Using this data
- Alabama Central ranks #2,340 of 4,374 nationally on financial health and #49 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACIPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACIPCO
Frequently Asked Questions
Is Alabama Central financially healthy?
Alabama Central has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,340 of 4,374 nationally on health and #49 of 89 in Alabama. Its net worth ratio is 9.30% and its delinquency rate 0.34%.
How does Alabama Central compare to other credit unions?
Alabama Central scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.26% vs 72.20%). Its widest shortfall is net worth ratio (9.30% vs 12.11%).
How can I join Alabama Central?
Membership eligibility for Alabama Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alabama Central directly for current membership requirements and application steps.
Is my money safe at Alabama Central?
Alabama Central is a state-chartered 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. Alabama Central's net worth ratio of 9.30% 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.