Baldwin Educators Federal Credit Union

Bay Minette, AL

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	10.00
Capitalization Index	10.00
Liquidity Index	6.20
Profitability Index	6.90
Stability Index	6.50

Company Info	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	2584
Phone Number	(251) 937-0334
Website	www.baldwincountyfcu.com

Asset Quality	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.07%
5-Year Asset Growth	3.56%
5-Year Charge-Offs to Average Loans	0.13%
Charge-Offs to Average Loans	0.05%
Non-Performing Assets to Assets	0.02%
Non-Performing Loans to Capital	0.13%
Non-Performing Loans to Loans	0.04%

Balance Sheet	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
Total Assets	30.07M
Total Deposits	26.23M

Capital and Reserves	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
Capital	3.78M
Leverage Ratio	12.13
Loan Loss Reserves to Loans	0.63%

Liquidity	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	7.54%
Liquidity Ratio	31.32%

Profitability	Baldwin Educators Federal Credit Union Bay Minette, AL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.34%
Net Income	180.00K
Net Interest Spread	4.67%
Operating Profit to Average Assets	1.27%
Overhead Efficiency Ratio	72.81%
Return on Assets	1.21%
Return on Equity	9.82%