Federal credit union · Saint Louis, Missouri · NCUA charter #21683
West Side Baptist Church
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $379K
- Total assets
- 328
- Members
- 14.3%
- Net-worth ratio
West Side Baptist Church scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $379K; members 328; net-worth ratio 14.33%; health rank #3,070 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,070 of 4,374 health · 2025Q4West Side Baptist Church · health 77/100 · $379K · 2025Q4
- DELQ 77/100
- ROA 14.3%
- ASSETS 0.00%
- MEM 1.51%
- RANK $379K
- PHOTO 328
- BOOK #3,070/4,374
- CHARTER n/a
- NCUSIF 21683
Call Report peers
West Side Baptist Church carries $379K 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.
West Side 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
77 28th percentile higher than 28% 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
West Side Baptist Church - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21683 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
West Side Baptist Church: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 10.82% here, 52.70% peer average (-41.88 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where West Side Baptist Church sits in Missouri
- In Missouri, health place is #63 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #88 of 89 inside Missouri ($379K reported).
- Member book place in Missouri: #88 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How West Side Baptist Church's 5300 filing moved
West Side Baptist Church: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $379K (2025Q4) to $388K (2026Q1).
- Net-worth ratio shifted -0.19 pp (14.52% → 14.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
West Side Baptist Church health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.33% | -8.60 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.51% | +1.29 pp |
| Member Growth | -5.75% | - |
| Loan-to-Share Ratio | 10.82% | -41.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
West Side Baptist Church quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $388K | - |
| 2025Q4 | $379K | 328 |
| 2024Q4 | $399K | 348 |
| 2023Q4 | $398K | 359 |
Credit Union Details
- Charter Number
- 21683
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
Branch Location
West Side Baptist Church operates a single office in saint louis, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| West Side Baptist Church (Main Office) | saint louis, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for West Side Baptist Church, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- West Side Baptist Church ranks #3,070 of 4,374 nationally on financial health and #63 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- African Diaspora is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with African Diaspora
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 West Side Baptist Church financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - West Side Baptist Church's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,070 of 4,374; by total assets it ranks #4,315 of 4,374 nationally (same basis as /rankings/largest); and #88 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.33% net worth ratio and 0.00% delinquency rate are the key drivers.
How does West Side Baptist Church compare to other credit unions?
PlainCU's health composite puts West Side Baptist Church at 77/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 West Side Baptist Church?
West Side 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 West Side Baptist Church directly for the exact boundaries and application steps.
Is my money safe at West Side Baptist Church?
Federal credit unions like West Side 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. West Side Baptist Church's net worth ratio of 14.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does West Side Baptist Church offer compared to banks?
Credit unions like West Side 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 West Side 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.