Credit union · NCUA insured
eCO Credit Union
Top CarrotA $194.4M credit union headquartered in Birmingham, AL, with 14,871 members and 6 branches in Alabama. Best rates: savings 2.02% APY.
eCO Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#6 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About eCO Credit Union
- Headquarters
- 105 Frankfurt Cir, Birmingham, AL 35211-6978
- NCUA charter
- 65464
Branches
6 branches in Alabama
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Alabama
6 branches
- Alabaster791 4th Pl SW, Alabaster, AL 35007Directions
- Homewood2100 18th St S, Birmingham, AL 35209Directions
- Gardendale1233 Pecan Ave, Gardendale, AL 35071Directions
- Riverchase3746 Lorna Rd, Hoover, AL 35216Directions
- McCalla4821 McAdory School Rd, McCalla, AL 35111Directions
- Trussville430 Main St, Trussville, AL 35173Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio11.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of eCO Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.