Baldwin County
Bay Minette, AL · Charter 13329 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$32.4MAssets
$10.9MLoans
$28.1MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets (rank 435 of 1682).
- Widest gap: net interest margin trails 84% of credit unions under $1B in assets (rank 1415 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.74%
Rank 843 of 1,683
Net Interest Margin
3.06%
Rank 1,415 of 1,683
Efficiency Ratio
81.71%
Rank 1,017 of 1,682
Equity / Assets
12.03%
Rank 992 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 843 / 1,683 | | |
| Return on Equity | 6.12% | 2.67% | 5.89% | 8.74% | Beats 52% | 802 / 1,681 | | |
| Net Interest Margin | 3.06% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,415 / 1,683 | | |
| Efficiency Ratio | 81.71% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,017 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 435 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 992 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 992 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.77% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,513 / 1,683 | | |
| Loans / Assets | 33.69% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,497 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |