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BALDWIN COUNTY FEDERAL CREDIT UNION

Dec, 31, 2020 — BALDWIN COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in BAY MINETTE, AL with 2 branch locations and about $27.78 million in total assets. Opened 62 years ago in 1959, BALDWIN COUNTY FEDERAL CREDIT UNION has about 2,554 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 265186594
Name:BALDWIN COUNTY FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 1149
BAY MINETTE, AL 36507
Phone:(251) 937-0334
Fax:(251) 580-1609
Website:http://www.baldwincountyfcu.com
Branches:2 branch locations
Members:2,554
Credit Union Type:Federal Credit Union
Charter Number:13329
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1959
Last Audited:Dec 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$27,776,472
CEO/Manager:Gary E Townsend
Chairperson:Ronald S Green

Call Report

  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 8,998,774
TOTAL INVESTMENTS 7,591,491
Loans Held for Sale 0
 
 Real Estate Loans 2,508,182
 Unsecured Loans 1,600,799
 Other Loans 6,505,503
 TOTAL LOANS 10,614,484
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -52,744
 Land And Building 199,544
 Other Fixed Assets 109,854
 NCUSIF Deposit 216,832
 All Other Assets 98,237
  TOTAL ASSETS 27,776,472
LIABILITIES & CAPITAL:  
 Dividends Payable 16,214
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 231,517
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 3,757,229
 Regular shares 15,758,275
 All Other Shares & Deposits 5,277,139
  TOTAL SHARES & DEPOSITS 24,792,643
  TOTAL LIABILITIES 25,040,374
 Regular Reserve 362,426
 Other Reserves -276,598
 Undivided Earnings 2,650,270
  TOTAL EQUITY 2,736,098
  TOTAL LIABILITIES, SHARES, & EQUITY 27,776,472
INCOME & EXPENSE  
 Loan Income 638,441
 Investment Income 177,361
 Other Income 217,659
 Total Employee Compensation & Benefits 440,582
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 410,621
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,000
 Cost of Funds 97,114
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 84,144
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