Side-by-side · Q2 2026 data
Baldwin County Federal Credit Union vs Social Security 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 | Social Security Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 91 (stronger) | 51 |
| Earnings | 49 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 59th | 75th |
| Total assets | $32.4M | $37.4M |
| Deposits / shares | $28.1M | $28.5M |
| Capital ratio | 12.03% | 22.63% (stronger) |
| Problem loans | 0.27% (stronger) | 1.47% |
| Net charge-offs | 0.13% (stronger) | 0.67% |
| Return on assets | 0.73% | 1.59% (stronger) |
| Loans ÷ deposits | 38.8% (stronger) | 48.6% |
| Uninsured deposits | 2.9% | 2.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Social Security Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Baldwin County Federal Credit Union leads on 3 and Social Security Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.