ECO
Birmingham, AL · State Credit Union · Chartered in AL
Who can join
State government employees (special charter)
Members
14,871
Net Worth Ratio
11.59%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$194.4M
Peer Group 5
Members
14,871
as of latest quarter
Net Worth Ratio
11.59%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$194.4M
Total Shares
$179.8M
Total Loans
$99.0M
Net Income
$178K
Net Worth Ratio
11.59%
≥7% = Well Capitalized
Members
14,871
Return on Assets
0.09%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.24%
$242K
Loan-to-share ratio: 55.1%· healthy range 60–80%
Branch Locations
NCUAAdminstrative
105 Frankfurt Cir, Birmingham, AL, 35211-6978
9 am to 5 pm Monday- Friday
Alabaster
791 4th Pl SW, Alabaster, AL, 35007-8878
9 am to 5:30 pm Monday - Friday
Trussville
430 Main St, Trussville, AL, 35173
9 am to 5:30 PM Monday - Friday
Gardendale
1233 Pecan Ave, Gardendale, AL, 35071
9 am to 5:30 PM Monday- Friday
Homewood
2100 18th St S, Birmingham, AL, 35209
8am to 12:30/1:30-4:30 monday - friday (only when JEFCO BOE is open)
McCalla
4821 McAdory School Rd, Mc Calla, AL, 35111-3441
9 am to 5:30 pm Monday - Friday
Riverchase
3746 Lorna Rd, HOOVER, AL, 35216
9 am to 5:30 pm Monday - Friday
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/eco" target="_blank" rel="noopener">View ECO on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.