Federal credit union · Miami, Florida · NCUA charter #14391
Baptist Health South Florida
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $127.2M
- Total assets
- 13,849
- Members
- 11.0%
- Net-worth ratio
Baptist Health South Florida scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $127.2M; members 13,849; net-worth ratio 11.04%; health rank #1,129 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,129 of 4,374 health · 2025Q4Baptist Health South Florida · health 90/100 · $127.2M · 2025Q4
Call Report peers
Baptist Health South Florida in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Baptist Health South Florida vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Baptist Health South Florida sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Baptist Health South Florida vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.52% vs peer 72.20% (+15.32 pp).
- Largest lag: Net Worth Ratio at 11.04% vs peer 12.11% (-1.07 pp).
Where Baptist Health South Florida sits in Florida
- Health composite ranks #42 of 109 among scored Florida credit unions.
- By total assets, Baptist Health South Florida is #67 of 109 in Florida.
- Member book place in Florida: #53 of 109.
- One place up in Florida, Jm Associates (#41) ties at 90/100; one place down, JETSTREAM (#43) ties at 90/100.
How Baptist Health South Florida's 5300 filing moved
Baptist Health South Florida: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.8% from $127.2M (2025Q4) to $135.8M (2026Q1).
- Net-worth ratio shifted -0.58 pp (11.62% → 11.04%).
11.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Baptist Health South Florida gives up 10 points in total. Delinquency Rate costs the most, 4.6 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 12.4 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Baptist Health South Florida
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.04% | -1.07 pp |
| Delinquency Rate | 0.96% | +0.07 pp |
| Return on Assets | 0.33% | -0.30 pp |
| Member Growth | 3.04% | - |
| Loan-to-Share Ratio | 87.52% | +15.32 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Baptist Health South Florida quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.8M | - |
| 2025Q4 | $127.2M | 13,849 |
| 2024Q4 | $118.4M | 13,441 |
| 2023Q4 | $104.0M | 13,526 |
Credit Union Details
- Charter Number
- 14391
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Miami
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, Baptist Health South Florida runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Miami, FL |
| Boca Branch | Boca Raton, FL |
| Doctor's Branch | Coral Gables, FL |
| Homestead Branch | Homestead, FL |
| Baptist Branch | Miami, FL |
| West Kendall Branch | Miami, FL |
| South Miami Branch | South Miami, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Baptist Health South Florida ranks #1,129 of 4,374 nationally on financial health and #42 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUN
Frequently Asked Questions
Is Baptist Health South Florida financially healthy?
Baptist Health South Florida has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,129 of 4,374 nationally on health and #42 of 109 in Florida. Its net worth ratio is 11.04% and its delinquency rate 0.96%.
How does Baptist Health South Florida compare to other credit unions?
Baptist Health South Florida scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.52% vs 72.20%). Its widest shortfall is net worth ratio (11.04% vs 12.11%).
How can I join Baptist Health South Florida?
Baptist Health South Florida 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 South Florida directly for the exact boundaries and application steps.
Is my money safe at Baptist Health South Florida?
Baptist Health South Florida is a federal 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 Health South Florida's net worth ratio of 11.04% 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.