Sep, 30, 2025 — BALDWIN COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in BAY MINETTE, AL with 2 branch locations and about $30.64 million in total assets. Opened 67 years ago in 1959, BALDWIN COUNTY FEDERAL CREDIT UNION has about 2,099 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BALDWIN COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2509 Hand Ave BAY MINETTE, AL 36507-4101 |
| Phone: | (251) 937-0334 |
| Fax: | (251) 580-1609 |
| Website: | https://www.baldwincountyfcu.com |
| Branches: | 2 branch locations |
| Members: | 2,099 |
| 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, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $30,641,362 |
| CEO/Manager: | Gary E Townsend |
| Chairperson: | Ronald S Green |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,115,433 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,097,594 |
| Unsecured Loans | 1,907,641 |
| Other Loans | 8,138,270 |
| TOTAL LOANS | 11,143,505 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -74,003 |
| Land And Building | 194,289 |
| Other Fixed Assets | 354,099 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 255,415 |
| All Other Assets | 0 |
| TOTAL ASSETS | 30,641,362 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 182 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 122,349 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,488,390 |
| Regular shares | 15,103,792 |
| All Other Shares & Deposits | 6,985,984 |
| TOTAL SHARES & DEPOSITS | 26,578,166 |
| TOTAL LIABILITIES | 26,700,697 |
| Regular Reserve | 0 |
| Other Reserves | 131,805 |
| Undivided Earnings | 3,808,860 |
| TOTAL EQUITY | 3,940,665 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 30,641,362 |
| INCOME & EXPENSE | |
| Loan Income | 576,584 |
| Investment Income | 417,245 |
| Other Income | 106,946 |
| Total Employee Compensation & Benefits | 382,779 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 366,393 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,000 |
| Cost of Funds | 111,489 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 341,325 |
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