State credit union · Birmingham, Alabama · NCUA charter #64528
Birmingham City
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $9.9M
- Total assets
- 2,648
- Members
- 19.1%
- Net-worth ratio
Birmingham City scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.9M; members 2,648; net-worth ratio 19.14%; health rank #2,056 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,056 of 4,374 health · 2025Q4Birmingham City · health 84/100 · $9.9M · 2025Q4
Call Report peers
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Birmingham City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Birmingham City sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Birmingham City vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +23.64 pp (87.24% vs 63.60%).
- Largest lag: Return on Assets at 0.15% vs peer 0.45% (-0.30 pp).
Birmingham City: in-state Call Report ranks
- In Alabama, health place is #40 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, Birmingham City is #71 of 89 in Alabama.
- Member book place in Alabama: #54 of 89.
- One place up in Alabama, Heritage South (#39) scores 85/100, 1 point higher; one place down, East Alabama Community (#41) ties at 84/100.
How Birmingham City's 5300 filing moved
Birmingham City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $9.9M (2025Q4) to $10.2M (2026Q1).
- Net-worth ratio shifted -0.50 pp (19.64% → 19.14%).
19.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Birmingham City gives up 16 points in total. Delinquency Rate costs the most, 10 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 9.8 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 15.0 pts
Birmingham City health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.14% | +0.08 pp |
| Delinquency Rate | 1.67% | -0.14 pp |
| Return on Assets | 0.15% | -0.30 pp |
| Member Growth | 4.29% | - |
| Loan-to-Share Ratio | 87.24% | +23.64 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Birmingham City filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.2M | - |
| 2025Q4 | $9.9M | 2,648 |
| 2024Q4 | $9.1M | 2,539 |
| 2023Q4 | $9.7M | 2,460 |
Credit Union Details
- Charter Number
- 64528
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Birmingham City runs one office.
| Office | City |
|---|---|
| Birmingham City Credit Union (Main Office) | Birmingham, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Birmingham City nationwide neighbourhoods
Similar health score
Using this data
- Birmingham City ranks #2,056 of 4,374 nationally on financial health and #40 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Marvel City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Marvel City
Frequently Asked Questions
Is Birmingham City financially healthy?
Birmingham City has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,056 of 4,374 nationally on health and #40 of 89 in Alabama. Its net worth ratio is 19.14% and its delinquency rate 1.67%.
How does Birmingham City compare to other credit unions?
Birmingham City scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (87.24% vs 63.60%). Its widest shortfall is return on assets (0.15% vs 0.45%).
How can I join Birmingham City?
Membership eligibility for Birmingham City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Birmingham City directly for current membership requirements and application steps.
Is my money safe at Birmingham City?
Birmingham City 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. Birmingham City's net worth ratio of 19.14% 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.