Headquartered in San Antonio, Texas, Baptist Credit Union is a federally insured state-chartered credit union with $54.7M in total assets and $49.7M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1955.
Based on its Q2 2026 filing, Baptist Credit Union scores 63/100, which we describe as moderate. That is higher than only 26% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 271st. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (31/100; 0.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (57 → 63), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 57 |
| Q2 2025 | 57 |
| Q3 2025 | 69 |
| Q4 2025 | 71 |
| Q1 2026 | 62 |
| Q2 2026 | 63 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.11% |
| Q3 2024 | 7.96% |
| Q4 2024 | 7.95% |
| Q1 2025 | 7.96% |
| Q2 2025 | 8.06% |
| Q3 2025 | 8.88% |
| Q4 2025 | 8.72% |
| Q1 2026 | 8.59% |
| Q2 2026 | 8.72% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.23% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.27% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $54.7M | 8.72% | 0.15% | 0.28% | 81.7% |
| Q1 2026 | 62 | $55.4M | 8.59% | 0.26% | 0.46% | 81.8% |
| Q4 2025 | 71 | $53.9M | 8.72% | 0.09% | 1.27% | 84.1% |
| Q3 2025 | 69 | $53.1M | 8.88% | 0.37% | 1.35% | 84.9% |
| Q2 2025 | 57 | $52.5M | 8.06% | 0.55% | 0.23% | 78.7% |
| Q1 2025 | 57 | $52.7M | 7.96% | 0.40% | 0.15% | 79.2% |
| Q4 2024 | 60 | $52.5M | 7.95% | 0.25% | 0.32% | 81.6% |
| Q3 2024 | 60 | $51.8M | 7.96% | 0.21% | 0.30% | 78.2% |
| Q2 2024 | 61 | $50.7M | 8.11% | 0.23% | 0.41% | 81.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Heart O' Texas Federal Credit UnionCredit union Waco, TX | 49 out of 100, Below average | $54.6M | 7.4% | 0.86% | vs |
| Walker County Federal Credit UnionCredit union Huntsville, TX | 85 out of 100, Very strong | $54.3M | 16.5% | 0.57% | vs |
| Lifetime Federal Credit UnionCredit union Richardson, TX | 69 out of 100, Moderate | $55.2M | 18.4% | 1.91% | vs |
| Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX | 99 out of 100, Very strong | $55.3M | 18.6% | 0.13% | vs |
| City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX | 81 out of 100, Strong | $56.3M | 14.9% | 1.18% | vs |
| Select Federal Credit UnionCredit union San Antonio, TX | 70 out of 100, Strong | $57.7M | 15.1% | 0.83% | vs |
Deposit insurance
Is my money safe at Baptist Credit Union?
Yes. Baptist Credit Union is a federally insured credit union (NCUA charter #68358). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.72%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Baptist Credit Union lists 6 offices in 2 cities. Most locations:
- San Antonio, TX (4)
- Dallas, TX (2)
Identity & history
Profile
- Legal name
- Baptist Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68358
- RSSD ID
- 826488
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 5815 IH 10 West, San Antonio, TX 78201
- Employees
- 24
Quick answers
Baptist Credit Union: common questions
Is Baptist Credit Union NCUA insured?
Yes. Baptist Credit Union is a federally insured credit union (NCUA charter #68358). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Baptist Credit Union's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Baptist Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near San Antonio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX | 93 out of 100, Very strong | $29.6M | 15.7% | 0.08% | vs |
| Schertz Bank & TrustBank Schertz, TX | 90 out of 100, Very strong | $770.1M | 15.2% | 0.05% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| H E B Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $218.2M | 18.3% | 0.19% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |