Side-by-side · Q2 2026 data
United Bank 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 | United Bank | Baldwin County Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 55 | 91 (stronger) |
| Earnings | 72 (stronger) | 49 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 74th | 59th |
| Total assets | $1.5B | $32.4M |
| Deposits / shares | $1.2B | $28.1M |
| Capital ratio | 15.79% (stronger) | 12.03% |
| Problem loans | 1.35% | 0.27% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.13% |
| Return on assets | 1.31% (stronger) | 0.73% |
| Loans ÷ deposits | 75.9% | 38.8% (stronger) |
| Uninsured deposits | 48.4% | 2.9% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
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), United Bank leads on 3 and Baldwin County 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.
Where both have branches
- Bay Minette, AL