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BALDWIN COUNTY FEDERAL CREDIT UNION

Dec, 31, 2023 — BALDWIN COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in BAY MINETTE, AL with 3 branch locations and about $28.48 million in total assets. Opened 65 years ago in 1959, BALDWIN COUNTY FEDERAL CREDIT UNION has about 2,503 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.


ABA Routing Number: 265186594
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:3 branch locations
Members:2,503
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:Sep 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$28,483,004
CEO/Manager:Gary E Townsend
Chairperson:Ronald S Green

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,154,332
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 1,456,407
 Unsecured Loans 1,946,281
 Other Loans 7,847,781
 TOTAL LOANS 11,250,469
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -71,114
 Land And Building 178,924
 Other Fixed Assets 97,108
 NCUSIF Deposit 254,118
 All Other Assets 0
  TOTAL ASSETS 28,483,004
LIABILITIES & CAPITAL:  
 Dividends Payable 144,493
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 35,781
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,647,807
 Regular shares 15,207,903
 All Other Shares & Deposits 5,255,256
  TOTAL SHARES & DEPOSITS 25,110,966
  TOTAL LIABILITIES 25,291,240
 Regular Reserve 0
 Other Reserves 287,233
 Undivided Earnings 2,904,531
  TOTAL EQUITY 3,191,764
  TOTAL LIABILITIES, SHARES, & EQUITY 28,483,004
INCOME & EXPENSE  
 Loan Income 668,932
 Investment Income 449,901
 Other Income 107,568
 Total Employee Compensation & Benefits 465,503
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 497,367
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 26,800
 Cost of Funds 263,580
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 119,218
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