ALABAMA CENTRAL
State-Chartered • Birmingham, Alabama • Est. 1938
Quick Facts
- Charter Number
- #60712
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Birmingham, Alabama 35222
- Address
- 3601 4th Ave S
- Branches
- 9
- ATMs
- 7
- Members
- 18,761
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
18,761 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALABAMA CENTRAL |
|---|---|
| Total Assets | $207.6M |
| Members | 18,761 |
| Loans Outstanding | $139.7M |
| Shares & Deposits | $188.1M |
| Net Worth | $19.8M |
| Net Worth Ratio | 9.51% |
| Loan-to-Share Ratio | 74.3% |
| Delinquency Rate | 0.34% |
| Net Income | +$1,572,156 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 7 ATMs
Main Office
Main Office3601 4th Ave S
Birmingham, AL 35222
Homewood
250 W Oxmoor Rd
Birmingham, AL 35209-6315
Tuscaloosa
1121 Veterans Memorial Pkwy
Tuscaloosa, AL 35404
Decatur
3048 Finley Island Cir NW
Decatur, AL 35601-8800
Russellville
13499 Highway 43
Russellville, AL 35653
Who Can Join ALABAMA CENTRAL?
Membership Type: Community
Membership eligibility for ALABAMA CENTRAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ALABAMA CENTRAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. ALABAMA CENTRAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ALABAMA CENTRAL has 18,761 members and a potential membership field of 3,091,966 people.
ALABAMA CENTRAL's net worth ratio is 9.51% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.5%, ALABAMA CENTRAL meets this threshold.
ALABAMA CENTRAL operates 9 branch locations and has access to 7 ATMs. The main office is located at 3601 4th Ave S, Birmingham, AL 35222.
ALABAMA CENTRAL was established in 1938. It is a state-chartered credit union chartered under charter number 60712. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ALABAMA CENTRAL. All financial data is for informational purposes only.