Federal credit union · BIRMINGHAM, Alabama · NCUA charter #24421
Legacy Community
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $734.0M
- Total assets
- 29,974
- Members
- 13.3%
- Net-worth ratio
Legacy Community scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $734.0M; members 29,974; net-worth ratio 13.30%; health rank #2,577 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,577 of 4,374 health · 2025Q4Legacy Community · health 81/100 · $734.0M · 2025Q4
Call Report peers
Legacy Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Legacy Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Legacy Community sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Legacy Community vs Over $500M peers
- Net Worth Ratio leads the peer set - 13.30% here, 11.18% peer average (+2.12 pp).
- Largest lag: Loan-to-Share Ratio at 69.06% vs peer 83.90% (-14.84 pp).
Legacy Community in Alabama
- Health composite ranks #55 of 89 among scored Alabama credit unions.
- Alabama assets place: #14 of 89.
- Member book place in Alabama: #17 of 89.
- One place up in Alabama, FEDMONT (#54) ties at 81/100; one place down, Mobile Educators (#56) ties at 81/100.
Legacy Community Call Report trajectory
Legacy Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $734.0M (2025Q4) to $736.3M (2026Q1).
- Net-worth ratio shifted -0.25 pp (13.55% → 13.30%).
At 13.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Legacy Community gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.30% | +2.12 pp |
| Delinquency Rate | 0.91% | +0.04 pp |
| Return on Assets | 0.51% | +0.00 pp |
| Member Growth | -22.89% | - |
| Loan-to-Share Ratio | 69.06% | -14.84 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Legacy Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $736.3M | - |
| 2025Q4 | $734.0M | 29,974 |
| 2024Q4 | $642.9M | 38,873 |
| 2023Q4 | $639.5M | 39,686 |
Credit Union Details
- Charter Number
- 24421
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Alabama
- City
- BIRMINGHAM
- Data Quarter
- 2025Q4
Branch Locations (12)
Legacy Community operates 12 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CORPORATE (Main Office) | BIRMINGHAM, AL |
| ALABASTER | Alabaster, AL |
| McCalla | Bessemer, AL |
| Main Office | Birmingham, AL |
| PRINCETON | BIRMINGHAM, AL |
| MEADOWBROOK | Birmingham, AL |
| HUFFMAN | BIRMINGHAM, AL |
| TRUSSVILLE | BIRMINGHAM, AL |
| UAB | BIRMINGHAM, AL |
| Homewood | Birmingham, AL |
| Cullman | Cullman, AL |
| CHACE LAKE | Hoover, 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.
Cross-state Call Report peers for Legacy Community
Similar total assets
Using this data
- Legacy Community ranks #2,577 of 4,374 nationally on financial health and #55 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EMBLEM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EMBLEM
Frequently Asked Questions
Is Legacy Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Legacy Community scores 81/100 (Excellent), with a 13.30% net worth ratio and 0.91% of loans delinquent. It ranks #2,577 of 4,374 nationally on health and #55 of 89 in Alabama.
How does Legacy Community compare to other credit unions?
Legacy Community scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.30% vs 11.18%). Its widest shortfall is loan-to-share ratio (69.06% vs 83.90%).
How can I join Legacy Community?
Legacy Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Legacy Community directly for the exact boundaries and application steps.
Is my money safe at Legacy Community?
Legacy Community 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. Legacy Community's net worth ratio of 13.30% 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.