O'NEAL CREDIT UNION is no longer an active credit union according to the NCUA.
Sep, 30, 2025 — O'NEAL CREDIT UNION is a federally insured state chartered credit union headquartered in BIRMINGHAM, AL with 1 branch location and about $2.33 million in total assets. Opened 71 years ago in 1955, O'NEAL CREDIT UNION has about 451 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | O'NEAL CREDIT UNION |
|---|---|
| Address: (Main Office) | P O BOX 2623 BIRMINGHAM, AL 35202 |
| Phone: | (205) 599-8010 |
| Fax: | (205) 599-8527 |
| Website: | n/a |
| Branches: | 1 branch locations |
| Members: | 451 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64593 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Jun 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $2,327,814 |
| CEO/Manager: | Debra York |
| Chairperson: | Richard Phillips |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 235,472 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 227,843 |
| Other Loans | 1,404,081 |
| TOTAL LOANS | 1,631,924 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -6,052 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 18,532 |
| All Other Assets | 0 |
| TOTAL ASSETS | 2,327,814 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 0 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 1,704,815 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 1,704,815 |
| TOTAL LIABILITIES | 1,704,815 |
| Regular Reserve | 0 |
| Other Reserves | 163,974 |
| Undivided Earnings | 459,025 |
| TOTAL EQUITY | 622,999 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,327,814 |
| INCOME & EXPENSE | |
| Loan Income | 59,256 |
| Investment Income | 6,226 |
| Other Income | 1,616 |
| Total Employee Compensation & Benefits | 66,675 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 18,728 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 2,131 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -20,074 |
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