State credit union · Angleton, Texas · NCUA charter #67622

American Baptist Association

Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

89
Health / 100
$1.8M
Total assets
390
Members
9.2%
Net-worth ratio

American Baptist Association - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #67622: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

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 1 (Strong). Risk-based capital ratio 9.2 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong 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

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 9.23% 30% weight
  • Asset quality (delinquency) 0.00% 25% weight
  • Earnings (ROA) 0.61% 15% weight
  • Member growth -0.26% 15% weight
  • Liquidity (loan-to-share) 58% 15% weight

Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
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 0.61% 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

The five-factor composite scores American Baptist Association at 89/100 (Excellent), reflecting a net worth ratio of 9.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Angleton, Texas, reports 390 members, $1.8M in total assets, and $924K in outstanding loans as of Q4 2025 under charter #67622 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 57.96% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.61% on net income of $11K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -0.26%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

Nearby Credit Unions in Texas

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Compare American Baptist Association vs ST. LUKE'S COMMUNITY

Sources & disclaimer

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 89/100 (Excellent) 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?

PlainCU's health composite puts American Baptist Association at 89/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.