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
- HEALTH 75/100
- NW 22.1%
- DELQ 1.93%
- ROA 0.68%
- ASSETS $81.2M
- MEM 4,881
- RANK #3,228/4,374
- PHOTO Fond Du Lac
- BOOK 67544
Call Report peers
Baylor Health Care System in the assets neighbourhood
Baylor Health Care System's $81.2M assets sit next to Fond Du Lac ($81.1M) 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.
Baylor Health Care System 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
75 24th percentile higher than 24% 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
Baylor Health Care System - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67544: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Baylor Health Care System
Baylor Health Care System: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $81.2M (2025Q4) to $81.1M (2026Q1).
- Net-worth ratio shifted +0.20 pp (21.90% → 22.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Baylor Health Care System's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($81.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Baylor Health Care System financially healthy?
Baylor Health Care System has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,228 of 4,374; by total assets it ranks #2,002 of 4,374 nationally (same basis as /rankings/largest); and #164 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 22.10% and delinquency rate of 1.93%.
How does Baylor Health Care System compare to other credit unions?
Five weighted metrics from NCUA filings produce Baylor Health Care System's 75/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Baylor Health Care System 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. Baylor Health Care System's net worth ratio of 22.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Baylor Health Care System offer compared to banks?
Credit unions like Baylor Health Care System 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 Baylor Health Care System 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.