Sep, 30, 2025 — ECO CREDIT UNION is a federally insured state chartered credit union headquartered in BIRMINGHAM, AL with 6 branch locations and about $188.15 million in total assets. Opened 47 years ago in 1979, ECO CREDIT UNION has about 16,268 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ECO CREDIT UNION |
|---|---|
| Address: (Main Office) | 105 Frankfurt Cir BIRMINGHAM, AL 35211-6978 |
| Phone: | (205) 226-3900 |
| Fax: | |
| Website: | https://www.ecocu.org |
| Branches: | 6 branch locations |
| Members: | 16,268 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65464 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1979 |
| Last Audited: | Sep 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $188,148,420 |
| CEO/Manager: | Joey Hand |
| Chairperson: | Julie Kelly |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 16,125,648 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 58,961,364 |
| Unsecured Loans | 14,869,679 |
| Other Loans | 22,666,295 |
| TOTAL LOANS | 96,497,338 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -401,959 |
| Land And Building | 7,617,063 |
| Other Fixed Assets | 750,822 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,677,938 |
| All Other Assets | 150,219 |
| TOTAL ASSETS | 188,148,420 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,521 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -158,824 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 37,400,954 |
| Regular shares | 87,533,958 |
| All Other Shares & Deposits | 50,449,413 |
| TOTAL SHARES & DEPOSITS | 175,384,325 |
| TOTAL LIABILITIES | 175,227,022 |
| Regular Reserve | 0 |
| Other Reserves | 12,351,753 |
| Undivided Earnings | 569,645 |
| TOTAL EQUITY | 12,921,398 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 188,148,420 |
| INCOME & EXPENSE | |
| Loan Income | 3,874,435 |
| Investment Income | 1,536,948 |
| Other Income | 685,144 |
| Total Employee Compensation & Benefits | 2,353,930 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,588,858 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 212,910 |
| Cost of Funds | 1,257,613 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 519,644 |
| ↑ Back to Top | |