# BALDWIN COUNTY
BAY MINETTE, AL · NCUA charter 13329 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baldwin-county-13329

Who the members are: federal charter, community charter, organized 1959, low-income designated. 2,047 members of 5,000 potential (40.9% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.8M |
| Members | 2,047 (-16.1% YoY) |
| Full-time staff | 6 |
| Net worth | $3.8M |
| Net worth ratio | 12.0% (p31 of band) |
| ROA (annualized) | 0.56% (p49 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.14% (p61 of band) |
| Loans / shares | 40% (p25 of band) |
| Cash / assets | 29.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.01% (p19 of band) |
| Operating expense / assets | 3.38% (p43 of band) |
| Vehicles % of loans | 54% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 28% |
| Average share balance | $6,505 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,812 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 1 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-06 | 1 | net worth falling | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | net worth falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | losing money |  |
| 2024-06 | 1 | members leaving | losing money |
| 2024-09 | 0 |  | members leaving |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 1 | members leaving |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 | margin squeeze | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-21 [Baldwin County voters must register by July 27 for Aug. 11 special Congressional primary election - Gulf Coast Media](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQZVdjM0lEem9uNXBEOUJ1ZmRfYU01bmNIZGJVTl9rVTNaS1Y4dVZ3a0NuNlhLNlhobEx0UUtSQURZQ3g4UExGZjNiVUgxSDVKV1pzVmtqeUlzZmx5ZE5TMXktZHY5elVLVVZjRl9pY1VHaURUT3RfNU5QYTk2akRuTU5zOGJkcFJ0TDNYRXNPd2llSmJha2h4QW9WSG56dWpCMmYxQ29QNmhFVzhjbUJCNWNCX0ZjWk9xT0l0Z1o1X091aDVqOXRsRnhLRjZmR2NwWmY1ZA?oc=5) · Gulf Coast Media
- 2026-06-17 [Potential Tropical Cyclone to dump heavy rain in Baldwin County; rip currents strong this week on Alabama Gulf Coast - Gulf Coast Media](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPTU9ZZ1h4NVpxUi1EYmJwbGl3ZHBxN3RucHk2RDdtOHRfNGZaMjB1Tm5WNlJvSl9lc2hqdlRhbktER3BMRkRiZEJDTGR2SlRjS1Z5eTJKUmQzSlVhMkVpR0RGWnB3UGF3dmVwaTNyZlJ2R3J1aGZFRHZrQUk4amNNVHVqbHNNZGRGaXp4Zlp1a1MycGE3V1FhTC1VMHg4Qi1saktFeDNwTUxYNzNGMV8xeEsyaFZVc29rcnAyWTFOWWdDUDgwWWpsaGpHMVJXQVVmOEZqcg?oc=5) · Gulf Coast Media
- 2026-06-16 [Frances Holk-Jones, Tater Harris earn Republican nominations in Baldwin County runoff elections - Gulf Coast Media](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNWE16aTBuWDFMM1Zqa3d3Mm1mbFF4eGNOcXNLMUNYTzhjT1RpamJXUVN2ZHRNN3FUSzFkN0FJOFR2aHJ5QW1reDVHNC1NMDRCdEhlSjVWbkx5Ums4V3J2bmhXVXczWDZxNlN0UnRVZWUybnlFd2pPRmZkeVVhWHRJWlRTMW1zOUhfT1dLZ3kzaU1FQ0RuNUVaU3hlRDZ3YmlsTDRHLXpHOTZuaFBHbnVTeWZsRGNOblZjXzNuTld2SkhzcEg4SG5kT0pjaVgxTlNyU2c?oc=5) · Gulf Coast Media
- 2026-05-20 [Primary election results: Lowery retains Baldwin County sheriff seat with 1st elected win - Gulf Coast Media](https://news.google.com/rss/articles/CBMiygFBVV95cUxPZHBQVlhJUFZ4T0xKWHJiS19tdUYwLUpWUHZFazNkUnhja3hlcTloVVFkYjEydDZvdkxranhSc2J4Q2c1cFo1aV9CdXdyNldCUkhOeVllNXdUdGxnalVvakhXMWt2NTVsSDB5cXlVeDNNSjJQTjJfN2Rpb1l5bnBpNmFRYVlweUpqQ1RONjNaX3RjT3A2M3hpTmZOb0lWVGVPcDdCcURXTW0yeUFSRWVhOGRCMVA5Zk9BY3BDTTV0MW9RVGlpRUdTcHRn?oc=5) · Gulf Coast Media
- 2026-05-04 [Primary elections 2026: Sample ballots for Baldwin County Republicans, Democrats - Gulf Coast Media](https://news.google.com/rss/articles/CBMivAFBVV95cUxOWndSZ0NzOWlJYm9ZS251enMzekE1UDFrX1VpM1R2VmdaZ25qREstWEZFV0JjTTI1T1k3NUV6QXh0aDdGTXVSNEpNeGtRY2pWb3E1dWRORGRZWlhDRm1UU1FUMjRSZmZDaWN0OUx3VEg2LU1zaDZielp1WUFTbzlxdHdRcE1CQWNzRnpGRC03UzAxWlp3WlFDSDRCVnpSSVMtZUdNak5YUG1ZY1N2S0ZWa2o4UXBwQm1BRFIycQ?oc=5) · Gulf Coast Media
- 2026-05-05 [Primary elections 2026: District maps for Baldwin County Commission, state and federal legislature - Gulf Coast Media](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPVE5keG5WbVotdkpRSmFUcVluV19hNkF0cVFuOEZvajBxTU0tOF94eDNNTm1IRG1wYjd5QW5nWUU1SEFGMzZpa3dreHhrTWFfUHZkNWpQNkdScG1IOHcwN3lDWERicnVVeUNVdGpPN1FabkJYNlJ1RVFjQnNRR3R5Y01OcExmUThQYjNUWktRRHlZdVFVYTBPczFyaGh6aWZGd0tjcjJ3eWthRTlsak5MMW5rVmJDNG92S0Jfem9ZUGZQSTlQRnhndTFhMVlpV0xTWTc4SQ?oc=5) · Gulf Coast Media
- 2026-05-05 [Primary elections 2026: Polling precincts and places in Baldwin County - Gulf Coast Media](https://news.google.com/rss/articles/CBMisAFBVV95cUxOQXh3X2FGRmRlSnNGa3ozWW9pQmR5eWI5c0dHcHZyZW9SejBFVjlwR0pJWm5fZ0kxWW1JU2NOaDh1dFlGVjF1TVJUdWZZbnVhclJvSEVyM1RrQnExQUZBcU8xX1kyc1RmTTJaYWRHeVphQW54R1ZoRl9Vd2dhWEJWZ3RFWS1MSEVEY3ZlMHlibWFCVkR2RHhnekQ0TFN3LWlabllqandmVjFzZ2lUQ0xKYg?oc=5) · Gulf Coast Media
- 2026-04-17 [Baldwin County Voter's Guide 2026 - Primary Elections - Gulf Coast Media](https://news.google.com/rss/articles/CBMilwFBVV95cUxQQVBCemt6eDNucGJZQ09HZjEyVXEyZ25CaVdJY0FKNEx3SFhnWGNnOWtmSVhBQnBPamdzTmwxYXMwa0FaM0lheUZXdnFsTHFfWkx1ZlFGdTR6MU1RVG9TRDJQZzZkQnZTS2J3S3MyX2M1UXdaWDk1WDBVcDNRTnNGZ0RRYkdjTXhlUlJXVmc1OUZVd19iTlNN?oc=5) · Gulf Coast Media

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13329 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "13329", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13329
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide