State credit union · San Antonio, Texas · NCUA charter #68358

BAPTIST

Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

81
Health / 100
$53.9M
Total assets
7,772
Members
8.6%
Net-worth ratio

BAPTIST scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.9M; members 7,772; net-worth ratio 8.59%; health rank #2,657 of 4,374; healthier than 39th of scored peers.

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#2,657 of 4,374 health · 2025Q4

BAPTIST · health 81/100 · $53.9M · 2025Q4

BAPTIST in the assets neighbourhood

KUE$53.9MBAPTIST (this)$53.9MHuntington Beach$53.9MJack Daniel Employees$53.7MLancaster Red Rose$53.7MCharlotte Fire Department$53.7M
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

BAPTIST vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); BAPTIST sits in 80-84 with 767 others.

81 39th percentile higher than 39% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

Where BAPTIST diverges from peer averages

  • Loan-to-Share Ratio leads the peer set - 84.15% here, 62.60% peer average (+21.55 pp).
  • Widest shortfall vs peers is Net Worth Ratio: -5.03 pp (8.59% vs 13.62%).

Texas standing for BAPTIST

  • Health composite ranks #241 of 386 among scored Texas credit unions.
  • By total assets, BAPTIST is #188 of 386 in Texas.
  • Member book place in Texas: #148 of 386.
  • One place up in Texas, HOUSTON (#240) ties at 81/100; one place down, SHERWIN (#242) scores 80/100, 1 point lower.

How BAPTIST's 5300 filing moved

BAPTIST: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

48,000,00050,000,00052,000,00054,000,00056,000,00058,000,000 2023Q42024Q42025Q42026Q1 48,861,951 55,391,791 ▲ +13.4%
  • Assets moved +2.8% from $53.9M (2025Q4) to $55.4M (2026Q1).
  • Net-worth ratio shifted -0.13 pp (8.72% → 8.59%).
Net worth ratio vs. NCUA well-capitalized threshold 57.3%

8.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 81/100 score is built

BAPTIST gives up 19 points in total. Member Growth costs the most, 12.8 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.

  • Net Worth Ratio 26.5 pts
  • Delinquency Rate 25.0 pts
  • Return on Assets 12.2 pts
  • Member Growth 2.2 pts
  • Loan-to-Share Ratio 15.1 pts

Financial Health Metrics

Metric Value vs peer
Net Worth Ratio 8.59% -5.03 pp
Delinquency Rate 0.09% -0.88 pp
Return on Assets 0.32% -0.34 pp
Member Growth -3.75% -
Loan-to-Share Ratio 84.15% +21.55 pp

Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.

Historical Financials

Quarter Assets Members
2026Q1 $55.4M -
2025Q4 $53.9M 7,772
2024Q4 $52.5M 8,075
2023Q4 $48.9M 8,059

Credit Union Details

Charter Number
68358
Type
State
Field of Membership
Other
Peer Group
$50M–$100M
State
Texas
City
San Antonio
Data Quarter
2025Q4

Branch Locations (6)

Per its most recent NCUA branch filing, BAPTIST runs 6 offices in 3 different cities.

Office City
Main Office (Main Office) San Antonio, TX
Dallas Office Dallas, TX
DALLAS DISASTER RECOVERY DALLAS, TX
Southeast/Mission Trail Office San Antonio, TX
Northeast Office San Antonio, TX
BMC Office San Antonio, TX

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in Texas

Other federally-insured credit unions in Texas, closest first by peer group and asset size.

Compare BAPTIST vs LIFETIME

Cross-state Call Report peers for BAPTIST

Using this data

  • BAPTIST ranks #2,657 of 4,374 nationally on financial health and #241 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • LIFETIME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LIFETIME

Frequently Asked Questions

Is BAPTIST financially healthy?

BAPTIST has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,657 of 4,374 nationally on health and #241 of 386 in Texas. Its net worth ratio is 8.59% and its delinquency rate 0.09%.

How does BAPTIST compare to other credit unions?

BAPTIST scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (84.15% vs 62.60%). Its widest shortfall is net worth ratio (8.59% vs 13.62%).

How can I join BAPTIST?

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

Is my money safe at BAPTIST?

BAPTIST is a state-chartered credit union; its shares are federally 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. BAPTIST's net worth ratio of 8.59% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for BAPTIST. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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