Credit Union
AMERICAN BAPTIST ASSOCIATION
Health Score
72/100
Total Assets
$1.8M
Members
390
Angleton, Texas
2026 data Public-data reference. official source

AMERICAN BAPTIST ASSOCIATION

Open-data reference.

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Angleton, Texas · Charter #67622 · State Credit Union
72
Health Score
Very Good

Health Score

72/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

67622

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

AMERICAN BAPTIST ASSOCIATION — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for AMERICAN BAPTIST ASSOCIATION Share insurance under NCUSIF covers up to $250,000 per share owner. AMERICAN BAPTIST ASSOCIATION holds approximately $1.6M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 9.2 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 9.2% · $1.6M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

AMERICAN BAPTIST ASSOCIATION — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 9.23% 2. Loan Quality 0.00% delinq 3. ROA 0.00% 4. Member Growth -0.26% 5. Liquidity 58% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 61.6%

At 9.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.8M
Total Assets
390
Members
$924K
Total Loans
$1.6M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 9.23% 30%
Delinquency Rate 0.00% 25%
Return on Assets 0.00% 15%
Member Growth -0.26% 15%
Loan-to-Share Ratio 57.96% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.8M 390
2024Q4 $1.5M 391
2023Q4 $1.6M 401

Credit Union Details

Charter Number
67622
Type
State
Field of Membership
Other
Peer Group
Under $2M
State
Texas
City
Angleton
Data Quarter
2025Q4

What This Data Says About AMERICAN BAPTIST ASSOCIATION

AMERICAN BAPTIST ASSOCIATION is a state credit union headquartered in Angleton, Texas, serving 390 members with $1.8M in total assets and $924K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 72/100 (Very Good), anchored by a net worth ratio of 9.23% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #67622 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 57.96% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.

Every deposit account at AMERICAN BAPTIST ASSOCIATION is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -0.26%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with AMERICAN BAPTIST ASSOCIATION before opening any account or borrowing.

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Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is AMERICAN BAPTIST ASSOCIATION financially healthy?

AMERICAN BAPTIST ASSOCIATION has a financial health score of 72/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.23% and delinquency rate of 0.00%.

How does AMERICAN BAPTIST ASSOCIATION compare to other credit unions?

AMERICAN BAPTIST ASSOCIATION scores 72/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join AMERICAN BAPTIST ASSOCIATION?

Membership eligibility for AMERICAN BAPTIST ASSOCIATION depends on its field of membership — currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AMERICAN BAPTIST ASSOCIATION directly for current membership requirements and application steps.

Is my money safe at AMERICAN BAPTIST ASSOCIATION?

Federal credit unions like AMERICAN BAPTIST ASSOCIATION are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000 — the same limit as FDIC-insured banks. AMERICAN BAPTIST ASSOCIATION's net worth ratio of 9.23% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does AMERICAN BAPTIST ASSOCIATION offer compared to banks?

Credit unions like AMERICAN BAPTIST ASSOCIATION are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AMERICAN BAPTIST ASSOCIATION directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology — how this data is sourced, computed, and verified.