ECO
State-Chartered • Birmingham, Alabama • Est. 1979
Quick Facts
- Charter Number
- #65464
- Type
- State-Chartered
- Established
- 1979
- Headquarters
- Birmingham, Alabama 35201
- Address
- PO Box 2385
- Branches
- 7
- Members
- 14,830
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
14,830 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ECO |
|---|---|
| Total Assets | $187.9M |
| Members | 14,830 |
| Loans Outstanding | $99.3M |
| Shares & Deposits | $175.2M |
| Net Worth | $22.3M |
| Net Worth Ratio | 11.89% |
| Loan-to-Share Ratio | 56.6% |
| Delinquency Rate | 0.82% |
| Net Income | +$967,527 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations
Adminstrative
Main Office105 Frankfurt Cir
Birmingham, AL 35211-6978
Alabaster
791 4th Pl SW
Alabaster, AL 35007-8878
Trussville
430 Main St
Trussville, AL 35173
Gardendale
1233 Pecan Ave
Gardendale, AL 35071
Homewood
2100 18th St S
Birmingham, AL 35209
Who Can Join ECO?
Membership Type: Community
Membership eligibility for ECO may vary. Contact the credit union directly to confirm qualification requirements.
Contact ECO 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. ECO 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, ECO has 14,830 members and a potential membership field of 50,000 people.
ECO's net worth ratio is 11.89% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.9%, ECO meets this threshold.
ECO operates 7 branch locations. The main office is located at 105 Frankfurt Cir, Birmingham, AL 35211-6978.
ECO was established in 1979. It is a state-chartered credit union chartered under charter number 65464. The institution has been serving members for 47 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ECO. All financial data is for informational purposes only.