B
Baldwin Educators Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
11.91
Leverage
Ratio
11.91
Return On
Assets
1.04%
Total
Assets
29.77M
Capital
3.68M
Total
Deposits
25.88M
Net
Income
77.00K
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Weiss Ratings Baldwin Educators Federal Credit Union
Bay Minette, AL 		Click to
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 6.10
Profitability Index 5.60
Stability Index 6.30
Company Info Baldwin Educators Federal Credit Union
Bay Minette, AL 		Click to
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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
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1-Year Asset Growth -1.93%
5-Year Asset Growth 3.56%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.80%
Non-Performing Loans to Loans 0.26%
Balance Sheet Baldwin Educators Federal Credit Union
Bay Minette, AL 		Click to
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Total Assets 29.77M
Total Deposits 25.88M
Capital and Reserves Baldwin Educators Federal Credit Union
Bay Minette, AL 		Click to
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Capital 3.68M
Leverage Ratio 11.91
Loan Loss Reserves to Loans 0.62%
Liquidity Baldwin Educators Federal Credit Union
Bay Minette, AL 		Click to
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Hot Money Ratio 7.83%
Liquidity Ratio 29.86%
Profitability Baldwin Educators Federal Credit Union
Bay Minette, AL 		Click to
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5-Year Return on Average Assets 0.34%
Net Income 77.00K
Net Interest Spread 4.57%
Operating Profit to Average Assets 1.15%
Overhead Efficiency Ratio 75.07%
Return on Assets 1.04%
Return on Equity 8.55%