Sep, 30, 2025 — BIRMINGHAM CITY CREDIT UNION is a federally insured state chartered credit union headquartered in BIRMINGHAM, AL with 1 branch location and about $9.33 million in total assets. Opened 70 years ago in 1956, BIRMINGHAM CITY CREDIT UNION has about 2,617 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BIRMINGHAM CITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 2725 35th Ave N BIRMINGHAM, AL 35207-2839 |
| Phone: | (205) 583-4654 |
| Fax: | (205) 583-4654 |
| Website: | https://www.bhamcu.org |
| Branches: | 1 branch locations |
| Members: | 2,617 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64528 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Apr 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $9,331,609 |
| CEO/Manager: | Kristin Finch |
| Chairperson: | James R Robinett |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,268,380 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 72,890 |
| Unsecured Loans | 999,089 |
| Other Loans | 5,632,815 |
| TOTAL LOANS | 6,704,794 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -181,391 |
| Land And Building | 364,785 |
| Other Fixed Assets | 3,544 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 72,793 |
| All Other Assets | 20,254 |
| TOTAL ASSETS | 9,331,609 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 12,717 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 73,055 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 268,989 |
| Regular shares | 6,615,692 |
| All Other Shares & Deposits | 401,818 |
| TOTAL SHARES & DEPOSITS | 7,286,498 |
| TOTAL LIABILITIES | 7,372,270 |
| Regular Reserve | 0 |
| Other Reserves | 71,091 |
| Undivided Earnings | 1,888,248 |
| TOTAL EQUITY | 1,959,339 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 9,331,609 |
| INCOME & EXPENSE | |
| Loan Income | 607,524 |
| Investment Income | 33,823 |
| Other Income | 153,808 |
| Total Employee Compensation & Benefits | 272,832 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 505,962 |
| Non-operating Income & (Expense) | 468,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 208,888 |
| Cost of Funds | 36,330 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 239,143 |
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