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Nrs Community Development Credit Union
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Nrs Community Development Credit Union Share
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Overview Share
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Nrs Community Development Credit Union is a federal credit union based in Birmingham, Alabama. It has been opened since 1996, for 26 years.

With around $1,470,000 in assets, Nrs Community Development Credit Union is considered to be a small credit union.

About Share
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Address Po Box 130520
Birmingham, Alabama 35213
Website http://WWW.NRSFCU.COM
Phone (205) 833-3556
Fax (205) 833-1966
CEO Brooke A. Smedley
President of the Board Ronstead Claughton
Services Offered
Score Card Share
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26 years
Years in business
Opened in 1996
Well Capitalized
Net worth classification
Source: NCUA
463 members
Membership type: Community credit union
Below average number of members
232:1
Credit union member to staff ratio
232 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$1,469,218
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 4 in Alabama
Average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
12.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 4 in Alabama
Average number of branches
Nrs Community Development Credit Union Branch Locations

Nrs Community Development Credit Union: Main Office
7400 London Avenue
South
Birmingham, Alabama 35206
No ATM
Members Share
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463 members
Membership type: Community credit union
Below average number of members

With 463 members, the Nrs Community Development Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 91% of credit unions.

Fees Share
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$29
Average fee per member
The average fee per member at the Nrs Community Development Credit Union is $29, which is low compared to most credit unions. This rate is lower than 66% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Nrs Community Development Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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232:1
Credit union member to staff ratio
232 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
2 staff members
FTE (full-time equivalent)
0% of employees are part-time
2 full-time, 0 part-time

Nrs Community Development Credit Union has 2 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Nrs Community Development Credit Union has around 232 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$1,469,218
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
7.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$8,965
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 60% of credit unions.

Nrs Community Development Credit Union holds a total of $630,000 in loans and leases, which is about $8,965 per member on average.

Savings interest rate Share
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Nrs Community Development Credit Union pays 0.15%.

Loan rates Share
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12.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
15.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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8.80%
New car loan rate
Compared to 4.0% nationally
15.00%
Used car loan rate
Compared to 5.2% nationally

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Nrs Community Development Credit Union: Main Office
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