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
- BOOK 90/100
- CHARTER 11.0%
- NCUSIF 0.96%
- CAMELS 0.33%
- HEALTH $127.2M
- NW 13,849
- DELQ #1,129/4,374
- ROA Jackson River Community
- ASSETS 14391
Call Report peers
Baptist Health South Florida in the assets neighbourhood
Baptist Health South Florida's $127.2M assets sit next to Jackson River Community ($127.3M) 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 South Florida 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
90 Top 27% higher than 73% 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 South Florida - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14391, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Baptist Health South Florida's 5300 filing moved
Baptist Health South Florida: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.8% from $127.2M (2025Q4) to $135.8M (2026Q1).
- Net-worth ratio shifted -0.58 pp (11.62% → 11.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Baptist Health South Florida's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($127.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 South Florida financially healthy?
A 11.04% net worth ratio and a 0.96% delinquency rate feed into Baptist Health South Florida's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,129 of 4,374; by total assets it ranks #1,626 of 4,374 nationally (same basis as /rankings/largest); and #67 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Baptist Health South Florida compare to other credit unions?
PlainCU's health composite puts Baptist Health South Florida at 90/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Baptist Health South Florida 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 South Florida's net worth ratio of 11.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Baptist Health South Florida offer compared to banks?
Credit unions like Baptist Health South Florida 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 South Florida 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.