Side-by-side · Q2 2026 data
Baldwin County Federal Credit Union vs Lauderdale County Teachers Credit Union
Credit union
Baldwin County Federal Credit Union
Bay Minette, Alabama · Under $100 million in assets
Credit union
Lauderdale County Teachers Credit Union
Florence, Alabama · Under $100 million in assets
Metric by metric
| Measure | Baldwin County Federal Credit Union | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 70 | 78 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 49 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 59th | 89th |
| Total assets | $32.4M | $38.5M |
| Deposits / shares | $28.1M | $33.3M |
| Capital ratio | 12.03% | 12.80% (stronger) |
| Problem loans | 0.27% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.04% (stronger) |
| Return on assets | 0.73% | 1.57% (stronger) |
| Loans ÷ deposits | 38.8% | 37.3% (stronger) |
| Uninsured deposits | 2.9% | 2.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Baldwin County Federal Credit Union leads on 0 and Lauderdale County Teachers Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.