Federal credit union · Roanoke, Virginia · NCUA charter #11986
High Street Baptist Church
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $2.4M
- Total assets
- 281
- Members
- 14.9%
- Net-worth ratio
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.
High Street Baptist Church - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth74
- Liquidity (loan-to-share)53
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.88% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 2.17% | 15% |
| Member Growth | 1.81% | 15% |
| Loan-to-Share Ratio | 22.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About High Street Baptist Church
Charter #11986, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's High Street Baptist Church, a federal credit union in Roanoke, Virginia with 281 members, $2.4M in total assets, and $453K in outstanding loans as of Q4 2025. The five-factor composite scores it 89/100 (Excellent), helped by a net worth ratio of 14.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 22.08% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.17% on net income of $53K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.81%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is High Street Baptist Church financially healthy?
A 14.88% 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. 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 14.88% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.