Baldwin County Federal Credit Union (NCUA charter #13329) is based in Bay Minette, Alabama. Its Q2 2026 call report shows $32.4M in total assets and $28.1M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Baldwin County Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 39th. Its strongest component is funding & liquidity (100/100; 39% loans-to-deposits, 3% uninsured), and its lowest is earnings (49/100; 0.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (85 → 78), mostly because the earnings component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 75 |
| Q4 2024 | 77 |
| Q1 2025 | 80 |
| Q2 2025 | 85 |
| Q3 2025 | 88 |
| Q4 2025 | 78 |
| Q1 2026 | 79 |
| Q2 2026 | 78 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 11.55% |
| Q4 2024 | 11.84% |
| Q1 2025 | 11.91% |
| Q2 2025 | 12.13% |
| Q3 2025 | 12.43% |
| Q4 2025 | 12.47% |
| Q1 2026 | 12.01% |
| Q2 2026 | 12.03% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.67% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $32.4M | 12.03% | 0.27% | 0.73% | 38.8% |
| Q1 2026 | 79 | $31.8M | 12.01% | 0.00% | 0.56% | 40.2% |
| Q4 2025 | 78 | $30.3M | 12.47% | 0.69% | 1.01% | 43.0% |
| Q3 2025 | 88 | $30.6M | 12.43% | 0.00% | 1.49% | 41.9% |
| Q2 2025 | 85 | $30.1M | 12.13% | 0.04% | 1.20% | 43.9% |
| Q1 2025 | 80 | $29.8M | 11.91% | 0.26% | 1.04% | 44.9% |
| Q4 2024 | 77 | $29.3M | 11.84% | 0.36% | 0.67% | 45.5% |
| Q3 2024 | 75 | $29.5M | 11.55% | 0.20% | 0.32% | 46.7% |
| Q2 2024 | 71 | $29.5M | 11.39% | 0.39% | 0.16% | 46.0% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Infirmary Federal Credit UnionCredit union Mobile, AL | 81 out of 100, Strong | $32.6M | 14.0% | 0.63% | vs |
| Wcu Credit UnionCredit union Decatur, AL | 67 out of 100, Moderate | $36.0M | 9.0% | 0.29% | vs |
| Health Credit UnionCredit union Birmingham, AL | 65 out of 100, Moderate | $27.6M | 22.3% | 1.72% | vs |
| Social Security Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $37.4M | 22.6% | 1.47% | vs |
| Lauderdale County Teachers Credit UnionCredit union Florence, AL | 90 out of 100, Very strong | $38.5M | 12.8% | 0.00% | vs |
| Red Oak Credit UnionCredit union Tuscaloosa, AL | 46 out of 100, Below average | $40.1M | 5.8% | 0.68% | vs |
Deposit insurance
Is my money safe at Baldwin County Federal Credit Union?
Yes. Baldwin County Federal Credit Union is a federally insured credit union (NCUA charter #13329). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.9% of shares and deposits ($823K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Baldwin County Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Bay Minette, AL (1)
- Fairhope, AL (1)
Identity & history
Profile
- Legal name
- Baldwin County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13329
- RSSD ID
- 901086
- Primary regulator
- NCUA
- Established
- 1959
- Headquarters
- Po Box 1149, Bay Minette, AL 36507
- Employees
- 6
Quick answers
Baldwin County Federal Credit Union: common questions
Is Baldwin County Federal Credit Union NCUA insured?
Yes. Baldwin County Federal Credit Union is a federally insured credit union (NCUA charter #13329). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Baldwin County Federal Credit Union's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Baldwin County Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bay Minette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Mobile Educators Credit UnionCredit union Mobile, AL | 84 out of 100, Strong | $113.2M | 13.2% | 0.74% | vs |