Federal credit union · Florence, South Carolina · NCUA charter #19619
Trinity Baptist Church
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.3M
- Total assets
- 194
- Members
- 16.6%
- Net-worth ratio
Trinity Baptist Church - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #19619, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Trinity Baptist Church - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)66
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.57% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.57% | 15% |
| Member Growth | 2.11% | 15% |
| Loan-to-Share Ratio | 43.49% | 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 | $2.3M | 194 |
| 2024Q4 | $2.4M | 190 |
| 2023Q4 | $2.5M | 194 |
Credit Union Details
- Charter Number
- 19619
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- South Carolina
- City
- Florence
- Data Quarter
- 2025Q4
What This Data Says About Trinity Baptist Church
Trinity Baptist Church is a federal credit union headquartered in Florence, South Carolina, serving 194 members with $2.3M in total assets and $823K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 91/100 (Excellent), anchored by a net worth ratio of 16.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #19619 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 43.49% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.57% on net income of $36K 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 2.11%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group 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 Trinity Baptist Church financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Trinity Baptist Church's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.57% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Trinity Baptist Church compare to other credit unions?
Trinity Baptist Church scores 91/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Trinity Baptist Church?
Trinity 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 Trinity Baptist Church directly for the exact boundaries and application steps.
Is my money safe at Trinity Baptist Church?
Federal credit unions like Trinity 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. Trinity Baptist Church's net worth ratio of 16.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trinity Baptist Church offer compared to banks?
Credit unions like Trinity 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 Trinity 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.