Legacy Community Federal Credit Union

Birmingham, AL

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	9.60
Capitalization Index	10.00
Liquidity Index	3.40
Profitability Index	7.00
Stability Index	7.00

Company Info	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	4067
Phone Number	(205) 930-5000
Website	www.legacycreditunion.com/

Asset Quality	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	12.68%
5-Year Asset Growth	6.13%
5-Year Charge-Offs to Average Loans	0.19%
Charge-Offs to Average Loans	0.45%
Non-Performing Assets to Assets	0.26%
Non-Performing Loans to Capital	2.21%
Non-Performing Loans to Loans	0.32%

Balance Sheet	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
Total Assets	725.66M
Total Deposits	629.73M

Capital and Reserves	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
Capital	83.84M
Leverage Ratio	12.71
Loan Loss Reserves to Loans	0.32%

Liquidity	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.73%
Liquidity Ratio	14.45%

Profitability	Legacy Community Federal Credit Union Birmingham, AL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.55%
Net Income	5.23M
Net Interest Spread	3.32%
Operating Profit to Average Assets	1.39%
Overhead Efficiency Ratio	67.22%
Return on Assets	1.05%
Return on Equity	8.80%