Federal credit union · Roanoke, Virginia · NCUA charter #11986
High Street Baptist Church
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $2.4M
- Total assets
- 281
- Members
- 14.8%
- Net-worth ratio
High Street Baptist Church scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.4M; members 281; net-worth ratio 14.79%; health rank #1,216 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,216 of 4,374 health · 2025Q4High Street Baptist Church · health 89/100 · $2.4M · 2025Q4
- ROA 89/100
- ASSETS 14.8%
- MEM 0.00%
- RANK 2.17%
- PHOTO $2.4M
- BOOK 281
- CHARTER #1,216/4,374
- NCUSIF n/a
- CAMELS 11986
Call Report peers
High Street Baptist Church carries $2.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
High Street Baptist Church 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
89 Top 31% higher than 69% 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
High Street Baptist Church - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11986: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where High Street Baptist Church diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 22.08% here, 63.60% peer average (-41.52 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where High Street Baptist Church sits in Virginia
- Virginia health ordinal: #18 of 95.
- Virginia assets place: #87 of 95.
- Virginia membership ordinal: #92 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How High Street Baptist Church's 5300 filing moved
High Street Baptist Church: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $2.4M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted -0.09 pp (14.88% → 14.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 7.8 pts
High Street Baptist Church health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.79% | -4.27 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 2.17% | +1.72 pp |
| Member Growth | 1.81% | - |
| Loan-to-Share Ratio | 22.08% | -41.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.4M | 281 |
| 2024Q4 | $2.4M | 276 |
| 2023Q4 | $2.4M | 301 |
Credit Union Details
- Charter Number
- 11986
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- Roanoke
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for High Street Baptist Church.
| Office | City |
|---|---|
| High Street Baptist Church (Main Office) | Roanoke, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Other-state peers near High Street Baptist Church
High Street Baptist Church's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- High Street Baptist Church ranks #1,216 of 4,374 nationally on financial health and #18 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PLANTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PLANTERS
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 High Street Baptist Church financially healthy?
A 14.79% net worth ratio and a 0.00% delinquency rate feed into High Street Baptist Church's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,216 of 4,374; by total assets it ranks #4,099 of 4,374 nationally (same basis as /rankings/largest); and #87 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does High Street Baptist Church compare to other credit unions?
89/100 is High Street Baptist Church's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 High Street Baptist Church?
High Street Baptist Church 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 High Street Baptist Church directly for the exact boundaries and application steps.
Is my money safe at High Street Baptist Church?
Federal credit unions like High Street Baptist Church 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. High Street Baptist Church's net worth ratio of 14.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does High Street Baptist Church offer compared to banks?
Credit unions like High Street Baptist Church 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 High Street Baptist Church 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.