ECO Credit Union Profile

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ECO

Charter #65464 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (205) 226-3900

Fax:

Founding Date: N/A

Website: http://www.ecocu.org

Personnel & Operations

President: Kelly, Julie

Manager: Hand, Joey

FT Employees: 38

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: 9 am to 5 pm Monday- Friday

Credit Union Profile Summary

ECO is a FISCU Credit Union. With a total of 16,278 members [1], this institution manages approximately $186,114,946 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.74% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.79% [1].

Financial Snapshot

Total Assets [1]
$186,114,946

Total economic resources.

Total Loans [1]
$92,137,154

Total value of outstanding loans.

Total Deposits [1]
$175,616,282

Total funds deposited by members.

Members [1]
16,278

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.74%

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]
0.28%

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

Loan-to-Share Ratio [1]
52.47%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.37%

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

Loan Growth (4Q) [1]
↓ -1.79%

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

Member Growth (4Q) [1]
↓ -0.08%

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

Headquarters Location & Map

Headquarters Address

105 Frankfurt Cir

Birmingham, AL, 35211-6978
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 7 branches reported by ECO (Charter #65464).

Main Office

Adminstrative Main Office

Type: Corporate Office

105 Frankfurt Cir

Birmingham, AL 35211-6978

Phone: (205) 226-3900

Services: None specified

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Additional Branches

Alabaster

Alabaster

Type: Branch Office

791 4th Pl SW

Alabaster, AL 35007-8878

Phone: (205) 226-3951

Services: Member Services, Drive-Thru

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Birmingham

Clay

Type: Branch Office

2430 Old Springville Rd

Birmingham, AL 35215

Phone: (205) 226-3940

Services: Member Services, Drive-Thru

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Homewood

Type: Branch Office

2100 18th St S

Birmingham, AL 35209

Phone: (205) 226-3959

Services: Member Services

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Gardendale

Gardendale

Type: Branch Office

1233 Pecan Ave

Gardendale, AL 35071

Phone: (205) 226-3948

Services: Member Services, Drive-Thru

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Hoover

Riverchase

Type: Branch Office

3746 Lorna Rd

Hoover, AL 35216

Phone: (205) 226-3938

Services: Member Services, Drive-Thru

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Mc Calla

McCalla

Type: Branch Office

4821 McAdory School Rd

Mc Calla, AL 35111-3441

Phone: (205) 226-3944

Services: Member Services

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