Side-by-side · Q2 2026 data
The First National Bank and Trust vs Baldwin County Federal Credit Union
Credit union
Baldwin County Federal Credit Union
Bay Minette, Alabama · Under $100 million in assets
Metric by metric
| Measure | The First National Bank and Trust | Baldwin County Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 65 | 70 (stronger) |
| Loan quality | 97 (stronger) | 91 |
| Earnings | 40 | 49 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 57th | 59th |
| Total assets | $238.6M | $32.4M |
| Deposits / shares | $218.9M | $28.1M |
| Capital ratio | 11.54% | 12.03% (stronger) |
| Problem loans | 0.10% (stronger) | 0.27% |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 0.50% | 0.73% (stronger) |
| Loans ÷ deposits | 67.8% | 38.8% (stronger) |
| Uninsured deposits | 22.8% | 2.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baldwin County Federal Credit Union has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 2 and Baldwin County Federal Credit Union on 5. 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.