Side-by-side · Q2 2026 data
Baldwin County Federal Credit Union vs Health Credit Union
Credit union
Baldwin County Federal Credit Union
Bay Minette, Alabama · Under $100 million in assets
Metric by metric
| Measure | Baldwin County Federal Credit Union | Health Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 91 (stronger) | 43 |
| Earnings | 49 (stronger) | 25 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 59th | 30th |
| Total assets | $32.4M | $27.6M |
| Deposits / shares | $28.1M | $21.1M |
| Capital ratio | 12.03% | 22.33% (stronger) |
| Problem loans | 0.27% (stronger) | 1.72% |
| Net charge-offs | 0.13% (stronger) | 2.04% |
| Return on assets | 0.73% (stronger) | 0.13% |
| Loans ÷ deposits | 38.8% (stronger) | 93.7% |
| Uninsured deposits | 2.9% (stronger) | 2.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baldwin County Federal Credit Union has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Baldwin County Federal Credit Union leads on 6 and Health Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.