Federal credit union · BIRMINGHAM, Alabama · NCUA charter #15938
Sixth Avenue Baptist
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $5.2M
- Total assets
- 836
- Members
- 6.4%
- Net-worth ratio
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.
Sixth Avenue Baptist - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)60
- Asset quality (delinquency)0
- Earnings (ROA)68
- Member growth57
- Liquidity (loan-to-share)100
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.41%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.41% | 30% |
| Delinquency Rate | 14.57% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -0.24% | 15% |
| Loan-to-Share Ratio | 77.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Sixth Avenue Baptist
The five-factor composite scores Sixth Avenue Baptist at 52/100 (Fair), reflecting a net worth ratio of 6.41% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in BIRMINGHAM, Alabama, reports 836 members, $5.2M in total assets, and $3.7M in outstanding loans as of Q4 2025 under charter #15938 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
14.57% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 77.80% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.18% on net income of $10K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.24%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sixth Avenue Baptist financially healthy?
Yes/no aside, the number is 52/100 (Fair) - Sixth Avenue Baptist's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.41% net worth ratio and 14.57% delinquency rate are the key drivers.
How does Sixth Avenue Baptist compare to other credit unions?
52/100 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 6.41% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.