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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NCUA 5300 Call Report Masthead
#2,657 of 4,374 health · 2025Q4BAPTIST · health 81/100 · $53.9M · 2025Q4
Call Report peers
BAPTIST in the assets neighbourhood
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
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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
- Assets moved +2.8% from $53.9M (2025Q4) to $55.4M (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.72% → 8.59%).
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.
Cross-state Call Report peers for BAPTIST
Similar total assets
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."
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.