Federal credit union · Little Rock, Arkansas · NCUA charter #12813

Baptist Health

Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

66
Health / 100
$46.0M
Total assets
7,139
Members
14.7%
Net-worth ratio

Baptist Health - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #12813 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for Baptist Health Share insurance under NCUSIF covers up to $250,000 per share owner. Baptist Health holds approximately $35.0M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 14.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 14.7% · $35.0M 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

Baptist Health - 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) 14.70% 30% weight
  • Asset quality (delinquency) 2.52% 25% weight
  • Earnings (ROA) 0.26% 15% weight
  • Member growth -13.20% 15% weight
  • Liquidity (loan-to-share) 84% 15% weight

Weighted composite: 66/100 - 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 98.0%

At 14.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$46.0M
Total Assets
7,139
Members
$29.4M
Total Loans
$35.0M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.70% 30%
Delinquency Rate 2.52% 25%
Return on Assets 0.26% 15%
Member Growth -13.20% 15%
Loan-to-Share Ratio 84.12% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $46.0M 7,139
2024Q4 $38.0M 8,225
2023Q4 $42.8M 8,063

Credit Union Details

Charter Number
12813
Type
Federal
Field of Membership
Community
Peer Group
$10M–$50M
State
Arkansas
City
Little Rock
Data Quarter
2025Q4

What This Data Says About Baptist Health

The five-factor composite scores Baptist Health at 66/100 (Good), reflecting a net worth ratio of 14.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Little Rock, Arkansas, reports 7,139 members, $46.0M in total assets, and $29.4M in outstanding loans as of Q4 2025 under charter #12813 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).

Loan book quality rounds out the picture. The delinquency rate of 2.52% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 84.12% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.26% on net income of $119K 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 -13.20%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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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 Health financially healthy?

A 14.70% net worth ratio and a 2.52% delinquency rate feed into Baptist Health's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does Baptist Health compare to other credit unions?

Five weighted metrics from NCUA filings produce Baptist Health's 66/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Health?

Baptist Health operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Baptist Health directly for the exact boundaries and application steps.

Is my money safe at Baptist Health?

Federal credit unions like Baptist Health 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 Health's net worth ratio of 14.70% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Baptist Health offer compared to banks?

Credit unions like Baptist Health 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 Health directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

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.