ECO
State-Chartered • Birmingham, Alabama • Est. 1979
Quick Facts
- Charter Number
- #65464
- Type
- State-Chartered
- Established
- 1979
- Headquarters
- Birmingham, Alabama 35211-6978
- Address
- 105 Frankfurt Cir
- Branches
- 7
- Members
- 14,871
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,871 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ECO |
|---|---|
| Total Assets | $194.4M |
| Members | 14,871 |
| Loans Outstanding | $99.0M |
| Shares & Deposits | $179.8M |
| Net Worth | $22.5M |
| Net Worth Ratio | 11.59% |
| Loan-to-Share Ratio | 55.1% |
| Delinquency Rate | 0.82% |
| Net Income | +$178,335 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Alabama
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Alabama RankingsFrequently Asked Questions
ECO is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ECO has 14,871 members and a potential membership field of 50,000 people.
ECO's reported net worth ratio is 11.59% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ECO. All financial data is for informational purposes only.