Federal credit union · BAY MINETTE, Alabama · NCUA charter #13329
Baldwin County
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $30.3M
- Total assets
- 2,104
- Members
- 12.0%
- Net-worth ratio
Baldwin County scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.3M; members 2,104; net-worth ratio 12.01%; health rank #2,980 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,980 of 4,374 health · 2025Q4Baldwin County · health 78/100 · $30.3M · 2025Q4
Call Report peers
Baldwin County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Baldwin County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Baldwin County sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Baldwin County
- Largest favorable gap: Delinquency Rate at 0.69% vs peer 1.15% (-0.45 pp).
- Loan-to-Share Ratio trails the peer set - 43.02% here, 59.80% peer average (-16.78 pp).
Where Baldwin County sits in Alabama
- Health composite ranks #62 of 89 among scored Alabama credit unions.
- Alabama assets place: #55 of 89.
- Alabama membership ordinal: #57 of 89.
- One place up in Alabama, RAILROAD (#61) ties at 78/100; one place down, REDSTONE (#63) scores 77/100, 1 point lower.
How Baldwin County's 5300 filing moved
Baldwin County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $30.3M (2025Q4) to $31.8M (2026Q1).
- Net-worth ratio shifted -0.46 pp (12.47% → 12.01%).
At 12.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Baldwin County gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.9 pts
Baldwin County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.01% | -2.85 pp |
| Delinquency Rate | 0.69% | -0.45 pp |
| Return on Assets | 0.65% | -0.06 pp |
| Member Growth | -13.95% | - |
| Loan-to-Share Ratio | 43.02% | -16.78 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Baldwin County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.8M | - |
| 2025Q4 | $30.3M | 2,104 |
| 2024Q4 | $29.3M | 2,445 |
| 2023Q4 | $28.5M | 2,503 |
Credit Union Details
- Charter Number
- 13329
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- BAY MINETTE
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Baldwin County runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Bay Minette (Main Office) | Bay Minette, AL |
| Vital Records Center | FAIRHOPE, AL |
| Loxley | Loxley, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Baldwin County nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Baldwin County ranks #2,980 of 4,374 nationally on financial health and #62 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Infirmary is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Infirmary
Frequently Asked Questions
Is Baldwin County financially healthy?
Baldwin County has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,980 of 4,374 nationally on health and #62 of 89 in Alabama. Its net worth ratio is 12.01% and its delinquency rate 0.69%.
How does Baldwin County compare to other credit unions?
Baldwin County scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.69% vs 1.15%). Its widest shortfall is loan-to-share ratio (43.02% vs 59.80%).
How can I join Baldwin County?
Baldwin County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Baldwin County directly for the exact boundaries and application steps.
Is my money safe at Baldwin County?
Baldwin County is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Baldwin County's net worth ratio of 12.01% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.