# BIRMINGHAM CITY
Birmingham, AL · NCUA charter 64528 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/birmingham-city-64528

Who the members are: state charter, organized 1956, low-income designated, minority depository institution. 2,661 members of 3,600 potential (73.9% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.2M |
| Members | 2,661 (4.1% YoY) |
| Full-time staff | 5 |
| Net worth | $1.9M |
| Net worth ratio | 19.1% (p71 of band) |
| ROA (annualized) | -0.09% (p22 of band) |
| Total delinquency | 0.26% (p34 of band) |
| Net charge-offs (annualized) | 5.88% (p98 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 31.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 7.58% (p99 of band) |
| Operating expense / assets | 9.75% (p97 of band) |
| Vehicles % of loans | 83% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.31% (p45 of band) |
| Vehicle NCO | 7.65% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 6% |
| Average share balance | $2,636 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $5,464 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 4 | net worth falling, expense trap, delinquency 2x band |  |
| 2017-03 | 7 | losing money, margin squeeze, delinquency rising |  |
| 2017-06 | 5 |  | losing money, margin squeeze |
| 2017-09 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | delinquency rising, assets shrinking |  |
| 2018-12 | 3 |  | assets shrinking |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 3 | loans>95% of shares |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | repo signal |  |
| 2020-03 | 4 | net worth falling, charge-offs p90 | loans>95% of shares, repo signal |
| 2020-06 | 5 | delinquency 2x band |  |
| 2020-09 | 5 | repo signal | delinquency 2x band |
| 2020-12 | 5 | loan book shrinking | net worth falling |
| 2021-03 | 5 | margin squeeze | charge-offs p90 |
| 2021-06 | 5 | charge-offs p90 | repo signal |
| 2021-09 | 4 |  | loan book shrinking |
| 2021-12 | 6 | delinquency 2x band, delinquency rising, repo signal | charge-offs p90 |
| 2022-03 | 3 |  | margin squeeze, delinquency 2x band, repo signal |
| 2022-06 | 3 | charge-offs p90 | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | assets shrinking, loans>95% of shares |  |
| 2023-03 | 6 | repo signal |  |
| 2023-06 | 5 | delinquency rising | charge-offs p90, assets shrinking |
| 2023-09 | 6 | charge-offs p90 |  |
| 2023-12 | 4 |  | repo signal, delinquency rising |
| 2024-03 | 5 | net worth falling, delinquency rising | loans>95% of shares |
| 2024-06 | 4 | loans>95% of shares | net worth falling, delinquency rising |
| 2024-09 | 7 | delinquency rising, repo signal, assets shrinking |  |
| 2024-12 | 6 |  | repo signal |
| 2025-03 | 4 |  | loans>95% of shares, delinquency rising |
| 2025-06 | 5 | delinquency 2x band, delinquency rising | assets shrinking |
| 2025-09 | 6 | loan book shrinking |  |
| 2025-12 | 7 | margin squeeze, repo signal | loan book shrinking |
| 2026-03 | 8 | net worth falling, losing money, loan book shrinking | delinquency 2x band, repo signal |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-14 [Charles A. Browne Jr. - AL.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVnVGZHh4MGNfajZwT2FvbW13cXZpZ3A4QmdYSk9KZVhkNXpULTY4V3BUb1pLS0ZIX09oZjMxdU1URVU5RmFBaUtqemFld0lySTlVSnAwUmktUnpfd3lGNUNyQVh6ZlktSFE0WWpiWFV3c3g3NFpjQUF4MVpkZVUyb1JJbWlZdkFWekIwUFFpQQ?oc=5) · AL.com
- 2026-05-16 [Southern Living Food & Fire @ the Southbound Food Festival - City of Birmingham, Alabama (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTVRDWU1DSXh4amlObnFhQ3lNUDFzWkJONWthdk8wa2dGR2lJejAwLVNxc29RcGxOdEN3R2UzZHh5bWg0WlNHN2wxQTBZMmxuYUpOLXgtOThHNk53dnB0MzZBdC1RSTBUUWFQUlhqWUhKR1Q5N3REVlBfaXp6SkVLN3hWbjN5MmlEbzBfNlZ4QlMtTWM0SExKV0VSQ1Y?oc=5) · City of Birmingham, Alabama (.gov)
- 2026-07-16 [Can you still get a 5% CD? - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVXNRb213T2ZoLUlIZGhwTkhFV3Z2LTg1bE1jeG1UOXVvRDlyYTJWY09hcDQ5SXNYOVVwSDFvSEtvR0hUaE5vakdLR3dJbE42eTNOa3RxZHNWZUFBdWRoel9nSWNqTGtzUEhwaEdlQXRIMWlaSHJxdGVhRE5mUzZ3OXNBdXdhbFg1MjBzckx2MDlwdDJDN1Iw?oc=5) · Yahoo Finance
- 2026-08-03 [Today's Highest CD Rates Are Up to 9% APY. Here's Where to Get Them - money.com](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA1aGZzQ2VOYkVkMGs4QXlEdDd4VzdDQ291R3BGTG5ZTERkZ3RBSVFTaVBSRTRuWkVCdEx6VE5sOExHX1BMeTN2RTZ4S2psMXVoVFFJ?oc=5) · money.com
- 2026-05-29 [This CD is offering 9% — plus, 9 more of the top APYs of May 2026 - MarketWatch](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNS1CNU5iaVVHeWFTUkJBV2pHdXcwaW0zdFFjSEdCWXR2RGtvSVpnWENlMG5UekRtdnlVMnJydzUyeU4wRUN0c0t6SEhzQk9LaFFHRjVMT05JUUtXeUJYdnlaRHY4TktVSkdvY3FXTTlxOXA0NkN2NDJiY0J3eTNCcVJuTWVKSk1EeTdtaWpaMVJ4NnB5dmtEMllBM1c0SUZVYVJQd3pZYw?oc=5) · MarketWatch
- 2026-03-04 [Magic City Newsmakers: Samsung national innovation award targets Bham - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV3ozYnlZamRXNXkxajhNSXRSMTNQbVNMSDN2UVVGVzNmUy1UNXpUWDZXSVllZm9GQlZ6TkMtd2xoby1RaHp6SkdJcVZtZzNUSWlHWU9vT21fb3NMMDhVUnM3OTE5TXBlUHU2eDBXaTM2bG5zNmZDRUQxLW1kSGVPc1pYZFFFbkpH?oc=5) · The Business Journals
- 2025-12-03 [Birmingham Holiday Gift Drives: 7 Ways to Give Back! - StyleBlueprint](https://news.google.com/rss/articles/CBMiakFVX3lxTE8xWnRzaUQzNzVrY3ZQWGFPdzdKbVpEYnc3bTBYNVh1RkxHUWVEQmlaTVU2TFlGMnRJN3QxaGEyYTJKU1pxb2VfZ2NMV0ZIQ3VXX1praUNMOFpIRUJNLWs2U1FFYTBjUE14Z2c?oc=5) · StyleBlueprint
- 2025-04-08 [Best Banks and Credit Unions in Alabama 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMWNrakgzVGJNYXhMMVVYLUtEQVBieXpPMkJoUXp5ODVldks0TVRxRk5fZHY3ek9MTktvRmlkdDdxaUFOTjlQR1prM1dwSFFoaU1hMlJYem9LaGFVN3JCZXJjazF4MnlSRFhwTzFRQ0NsbkJ5VXJXbURnbi1JS3JjZWJqTVhCWDBnQnNaQ2NB?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64528 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/16.json (key "64528", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64528
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide