Federal credit union · Little Rock, Arkansas · NCUA charter #12813
Baptist Health
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $46.0M
- Total assets
- 7,139
- Members
- 23.0%
- Net-worth ratio
Baptist Health scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.0M; members 7,139; net-worth ratio 23.03%; health rank #3,803 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,803 of 4,374 health · 2025Q4Baptist Health · health 66/100 · $46.0M · 2025Q4
- ASSETS 66/100
- MEM 23.0%
- RANK 2.52%
- PHOTO 0.26%
- BOOK $46.0M
- CHARTER 7,139
- NCUSIF #3,803/4,374
- CAMELS Suny Fredonia
- HEALTH 12813
Call Report peers
Baptist Health in the assets neighbourhood
Baptist Health's $46.0M assets sit next to Suny Fredonia ($46.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Baptist Health vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
66 12th percentile higher than 12% 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
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.
Baptist Health vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +24.32 pp (84.12% vs 59.80%).
- Delinquency Rate trails the peer set - 2.52% here, 1.15% peer average (+1.37 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Baptist Health sits in Arkansas
- Arkansas health ordinal: #44 of 48.
- Arkansas assets place: #17 of 48.
- Membership ranks #10 of 48 among Arkansas CUs with a reported count (7,139 members).
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Baptist Health: 2025Q4 → 2026Q1
Baptist Health: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $46.0M (2025Q4) to $46.6M (2026Q1).
- Net-worth ratio shifted -0.17 pp (23.20% → 23.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 23.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.3 pts
- Return on Assets 11.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Baptist Health
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.03% | +8.17 pp |
| Delinquency Rate | 2.52% | +1.37 pp |
| Return on Assets | 0.26% | -0.45 pp |
| Member Growth | -13.20% | - |
| Loan-to-Share Ratio | 84.12% | +24.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Baptist Health filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.6M | - |
| 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
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Baptist Health, spread across 4 cities.
| Office | City |
|---|---|
| Kanis Location (Main Office) | Little Rock, AR |
| BH Ft.Smith Office | Fort Smith, AR |
| Little Rock Office | Little Rock, AR |
| N Little Rock Office | N Little Rock, AR |
| BH Van Buren Office | Van Buren, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Other-state peers near Baptist Health
Two NCUA Call Report peer sets for Baptist Health, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($46.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Baptist Health ranks #3,803 of 4,374 nationally on financial health and #44 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATTERSON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATTERSON
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Baptist Health financially healthy?
A 23.03% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,803 of 4,374; by total assets it ranks #2,464 of 4,374 nationally (same basis as /rankings/largest); and #17 of 48 within Arkansas. 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 23.03% 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.