Side-by-side · Q2 2026 data
Baldwin County Federal Credit Union vs Navigator Federal Credit Union
Credit union
Baldwin County Federal Credit Union
Bay Minette, Alabama · Under $100 million in assets
Credit union
Navigator Federal Credit Union
Pascagoula, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Baldwin County Federal Credit Union | Navigator Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 49 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 59th | 95th |
| Total assets | $32.4M | $406.7M |
| Deposits / shares | $28.1M | $327.7M |
| Capital ratio | 12.03% | 17.98% (stronger) |
| Problem loans | 0.27% (stronger) | 0.38% |
| Net charge-offs | 0.13% (stronger) | 1.27% |
| Return on assets | 0.73% | 1.65% (stronger) |
| Loans ÷ deposits | 38.8% (stronger) | 85.0% |
| Uninsured deposits | 2.9% | 2.2% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Navigator Federal 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 3 and Navigator Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.