State credit union · Dallas, Texas · NCUA charter #67544
Baylor Health Care System
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $81.2M
- Total assets
- 4,881
- Members
- 22.1%
- Net-worth ratio
Baylor Health Care System scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $81.2M; members 4,881; net-worth ratio 22.10%; health rank #3,228 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,228 of 4,374 health · 2025Q4Baylor Health Care System · health 75/100 · $81.2M · 2025Q4
Call Report peers
Baylor Health Care System in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Baylor Health Care System vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Baylor Health Care System sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Baylor Health Care System
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +8.48 pp (22.10% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 54.60% here, 62.60% peer average (-8.00 pp).
Baylor Health Care System: in-state Call Report ranks
- In Texas, health place is #285 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #164 of 386.
- Texas membership ordinal: #177 of 386.
- One place up in Texas, Light Commerce (#284) ties at 75/100; one place down, BELTON (#286) ties at 75/100.
Quarter path for Baylor Health Care System
Baylor Health Care System: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $81.2M (2025Q4) to $81.1M (2026Q1).
- Net-worth ratio shifted +0.20 pp (21.90% → 22.10%).
At 22.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Baylor Health Care System gives up 25 points in total. Delinquency Rate costs the most, 12 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 11.8 pts
Baylor Health Care System vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.10% | +8.48 pp |
| Delinquency Rate | 1.93% | +0.97 pp |
| Return on Assets | 0.68% | +0.02 pp |
| Member Growth | -2.09% | - |
| Loan-to-Share Ratio | 54.60% | -8.00 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Baylor Health Care System filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.1M | - |
| 2025Q4 | $81.2M | 4,881 |
| 2024Q4 | $80.3M | 4,985 |
| 2023Q4 | $83.3M | 5,119 |
Credit Union Details
- Charter Number
- 67544
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Location
Baylor Health Care System operates a single office in Dallas, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Dallas, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Baylor Health Care System
Similar total assets
Using this data
- Baylor Health Care System ranks #3,228 of 4,374 nationally on financial health and #285 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Postel Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Postel Family
Frequently Asked Questions
Is Baylor Health Care System financially healthy?
Baylor Health Care System has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,228 of 4,374 nationally on health and #285 of 386 in Texas. Its net worth ratio is 22.10% and its delinquency rate 1.93%.
How does Baylor Health Care System compare to other credit unions?
Baylor Health Care System scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (22.10% vs 13.62%). Its widest shortfall is loan-to-share ratio (54.60% vs 62.60%).
How can I join Baylor Health Care System?
Membership eligibility for Baylor Health Care System depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Baylor Health Care System directly for current membership requirements and application steps.
Is my money safe at Baylor Health Care System?
Baylor Health Care System 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. Baylor Health Care System's net worth ratio of 22.10% 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.