COUNCILL Credit Union Profile

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COUNCILL

Charter #9554 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 372-5379

Fax: (256) 372-5765

Founding Date: N/A

Personnel & Operations

President: Lockhart, Joyce

Manager: Malone, Talbot

FT Employees: 0

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 1

Hours: M- F 8AM - 5PM CLOSES FOR LUNCH 11:30-12:30

Credit Union Profile Summary

COUNCILL is a FCU Credit Union. With a total of 607 members [1], this institution manages approximately $2,593,193 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 18.78% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.00% [1].

Financial Snapshot

Total Assets [1]
$2,593,193

Total economic resources.

Total Loans [1]
$794,749

Total value of outstanding loans.

Total Deposits [1]
$2,309,999

Total funds deposited by members.

Members [1]
607

Number of active members.

Performance Ratios

Net Worth Ratio [1]
18.78%

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]
-2.27%

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

Loan-to-Share Ratio [1]
34.40%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
0.00%

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

Loan Growth (4Q) [1]
0.00%

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

Member Growth (4Q) [1]
4.66%

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

Headquarters Location & Map

Headquarters Address

1061 BUCHANAN WAY, (POST OFFICE DOE

NORMAL, AL, 35762

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by COUNCILL (Charter #9554).

Main Office

Councill Federal Credit Union Main Office

Type: Corporate Office

1061 Buchanan Way

(post office doesn't deliver to location-On campus University)

Normal, AL 35762

Phone: (256) 372-5379

Services: Member Services

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