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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Sixth Avenue Baptist sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Alabama, U S Pipe Bessemer Employees (#81) scores 63/100, 1 point higher; one place down, Mead Coated Board (#83) scores 57/100, 5 points lower.
Quarter path for Sixth Avenue Baptist
Sixth Avenue Baptist: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $5.2M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.24 pp (9.03% → 9.27%).
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
Sixth Avenue Baptist gives up 38 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Sixth Avenue Baptist financially healthy?
On its 2025Q4 NCUA 5300 filing, Sixth Avenue Baptist scores 62/100 (Good), with a 9.27% net worth ratio and 14.57% of loans delinquent. It ranks #4,003 of 4,374 nationally on health and #82 of 89 in Alabama.
How does Sixth Avenue Baptist compare to other credit unions?
Sixth Avenue Baptist scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (77.80% vs 63.60%). Its widest shortfall is delinquency rate (14.57% vs 1.81%).
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?
Sixth Avenue Baptist 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. Sixth Avenue Baptist's net worth ratio of 9.27% 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.