ALABAMA CENTRAL Credit Union Profile

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ALABAMA CENTRAL

Charter #60712 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (205) 510-1300

Fax: (205) 595-8078

Founding Date: N/A

Website: http://www.alabamacentral.org

Personnel & Operations

President: Hardy, Richard

Manager: Haddock, Brad

FT Employees: 52

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 9

Hours: Lobby M-F 9-4 Drive Thru hours M-F 9-5

Credit Union Profile Summary

ALABAMA CENTRAL is a FISCU Credit Union. With a total of 20,413 members ^[1], this institution manages approximately $207,404,170 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.16% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.56% ^[1].

Financial Snapshot

Total Assets ^[1]

$207,404,170

Total economic resources.

Total Loans ^[1]

$142,480,058

Total value of outstanding loans.

Total Deposits ^[1]

$188,835,263

Total funds deposited by members.

Members ^[1]

20,413

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.16%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.81%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

75.45%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.59%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -5.56%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -7.50%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3601 4th Ave S

Birmingham, AL, 35222

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Type: Branch Office

1121 Veterans Memorial Pkwy

Tuscaloosa, AL 35404

Phone: (205) 342-0551

Services: Member Services, ATM, Drive-Thru

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