Federal credit union · BIRMINGHAM, Alabama · NCUA charter #15938
Sixth Avenue Baptist
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $5.2M
- Total assets
- 836
- Members
- 9.3%
- Net-worth ratio
Sixth Avenue Baptist scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.2M; members 836; net-worth ratio 9.27%; health rank #4,003 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,003 of 4,374 health · 2025Q4Sixth Avenue Baptist · health 62/100 · $5.2M · 2025Q4
- CAMELS 62/100
- HEALTH 9.3%
- NW 14.57%
- DELQ 0.18%
- ROA $5.2M
- ASSETS 836
- MEM #4,003/4,374
- RANK n/a
- PHOTO 15938
Call Report peers
Sixth Avenue Baptist carries $5.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sixth Avenue Baptist vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
62 8th percentile higher than 8% 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
Sixth Avenue Baptist - Share Insurance Coverage
Charter #15938's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Sixth Avenue Baptist
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +14.20 pp (77.80% vs 63.60%).
- Delinquency Rate trails the peer set - 14.57% here, 1.81% peer average (+12.77 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Sixth Avenue Baptist sits in Alabama
- Alabama health ordinal: #82 of 89.
- By total assets, Sixth Avenue Baptist is #78 of 89 in Alabama.
- Alabama membership ordinal: #76 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Sixth Avenue Baptist
Sixth Avenue Baptist: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $5.2M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.24 pp (9.03% → 9.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 0.0 pts
- Return on Assets 10.2 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Sixth Avenue Baptist
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.27% | -9.79 pp |
| Delinquency Rate | 14.57% | +12.77 pp |
| Return on Assets | 0.18% | -0.27 pp |
| Member Growth | -0.24% | - |
| Loan-to-Share Ratio | 77.80% | +14.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Sixth Avenue Baptist filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.2M | - |
| 2025Q4 | $5.2M | 836 |
| 2024Q4 | $5.0M | 838 |
| 2023Q4 | $5.4M | 859 |
Credit Union Details
- Charter Number
- 15938
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- BIRMINGHAM
- Data Quarter
- 2025Q4
Branch Location
Sixth Avenue Baptist operates a single office in BIRMINGHAM, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SIXTH AVENUE BAPTIST FCU (Main Office) | 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.
Cross-state Call Report peers for Sixth Avenue Baptist
Two NCUA Call Report peer sets for Sixth Avenue Baptist, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Sixth Avenue Baptist ranks #4,003 of 4,374 nationally on financial health and #82 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHEMCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHEMCO
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Sixth Avenue Baptist financially healthy?
Yes/no aside, the number is 62/100 (Good) - Sixth Avenue Baptist's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,003 of 4,374; by total assets it ranks #3,870 of 4,374 nationally (same basis as /rankings/largest); and #78 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.27% net worth ratio and 14.57% delinquency rate are the key drivers.
How does Sixth Avenue Baptist compare to other credit unions?
62/100 is Sixth Avenue Baptist's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sixth Avenue Baptist?
Sixth Avenue Baptist 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 Sixth Avenue Baptist directly for the exact boundaries and application steps.
Is my money safe at Sixth Avenue Baptist?
Federal credit unions like Sixth Avenue Baptist are 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. Sixth Avenue Baptist's net worth ratio of 9.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sixth Avenue Baptist offer compared to banks?
Credit unions like Sixth Avenue Baptist are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sixth Avenue Baptist directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.