State credit union · San Antonio, Texas · NCUA charter #68358
Baptist
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $53.9M
- Total assets
- 7,772
- Members
- 8.7%
- Net-worth ratio
Baptist - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68358. See our deposit-insurance coverage note.
Baptist - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)89
- Asset quality (delinquency)100
- Earnings (ROA)82
- Member growth15
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.72% | 30% |
| Delinquency Rate | 0.09% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -3.75% | 15% |
| Loan-to-Share Ratio | 84.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Baptist
Headquartered in San Antonio, Texas, Baptist is a state credit union with 7,772 members, $53.9M in total assets, and $41.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 81/100 (Excellent), driven in part by a net worth ratio of 8.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68358 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.09% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 84.15% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.32% on net income of $170K 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 -3.75%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 Baptist financially healthy?
Baptist has a financial health score of 81/100 (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 8.72% and delinquency rate of 0.09%.
How does Baptist compare to other credit unions?
Five weighted metrics from NCUA filings produce Baptist's 81/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Baptist 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. Baptist's net worth ratio of 8.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Baptist offer compared to banks?
Credit unions like Baptist 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 Baptist 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.