Alabama Central
Alabama Central is a credit union based in Birmingham, Alabama, established in 1938, with $216 million in total assets serving 18,529 members. By Trust Grade it ranks 72nd of 89 credit unions we track in Alabama. Its net worth ratio of 9.3% trails most similarly sized credit unions (19th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.70% return on assets. No consumer complaints against Alabama Central appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Alabama Central compares to Alabama peers
How we graded Alabama Central
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.3% capital ratio)
- Profitable (ROA 0.70%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Alabama Central over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Alabama Central insured?
Yes. Alabama Central is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Alabama Central: frequently asked questions
Is Alabama Central a good credit union?
Alabama Central earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (9.3% capital ratio); Profitable (ROA 0.70%).
Is Alabama Central NCUA-insured?
Yes. Alabama Central is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Alabama Central?
Alabama Central holds $216 million in total assets, ranking 72nd of 89 credit unions we track in Alabama. It serves 18,529 members.
Does Alabama Central have CFPB complaints?
No CFPB complaints against Alabama Central appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
