TellerScore

Headquartered in Little Rock, Arkansas, Baptist Health Federal Credit Union is a federal credit union with $45.4M in total assets and $34.6M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1959.

Baptist Health Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 31st. Capital cushion contributes the most (100/100, 23.55%); earnings contributes the least (19/100, -0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.55%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.84%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity83/100
Loans ÷ shares: 77.6% · 2.6% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.71%

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 (59 → 65), mostly because the earnings component improved by 19 points.

TellerScore
536168Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202457
Q3 202456
Q4 202454
Q1 202553
Q2 202559
Q3 202562
Q4 202555
Q1 202668
Q2 202665
Net worth ratio
7.00%15.27%23.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202416.37%
Q3 202418.01%
Q4 202418.22%
Q1 202517.49%
Q2 202517.62%
Q3 202523.32%
Q4 202523.20%
Q1 202623.03%
Q2 202623.55%
Delinquent loans (60+ days)
1.59%2.33%3.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20242.85%
Q3 20242.99%
Q4 20243.07%
Q1 20252.54%
Q2 20251.87%
Q3 20251.59%
Q4 20252.52%
Q1 20261.78%
Q2 20261.84%
Return on assets
-1.54%-0.47%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.45%
Q3 20240.60%
Q4 20240.31%
Q1 2025-1.54%
Q2 2025-1.11%
Q3 2025-0.46%
Q4 2025-0.34%
Q1 20260.27%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$45.4M23.55%1.84%-0.02%77.6%
Q1 202668$46.6M23.03%1.78%0.27%77.8%
Q4 202555$46.0M23.20%2.52%-0.34%84.1%
Q3 202562$45.8M23.32%1.59%-0.46%87.5%
Q2 202559$38.1M17.62%1.87%-1.11%86.1%
Q1 202553$38.7M17.49%2.54%-1.54%86.9%
Q4 202454$38.0M18.22%3.07%0.31%95.9%
Q3 202456$38.8M18.01%2.99%0.60%95.9%
Q2 202457$42.1M16.37%2.85%0.45%90.3%

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).

Capital ratio23.55%
86th
Problem loans1.84%
23rd
Net charge-offs1.20%
11th
Return on assets-0.02%
19th
Loans to deposits77.6%
22nd
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio4.7%
31st

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Truservice Community Federal Credit UnionCredit union Little Rock, AR59 out of 100, Moderate$52.5M8.8%0.48%vs
Patterson Federal Credit UnionCredit union Arkadelphia, AR96 out of 100, Very strong$38.0M17.5%0.08%vs
Up Federal Credit UnionCredit union North Little Ro, AR79 out of 100, Strong$32.2M22.4%0.89%vs
Pine Federal Credit UnionCredit union Pine Bluff, AR80 out of 100, Strong$62.8M24.5%1.49%vs
Subiaco Federal Credit UnionCredit union Subiaco, AR84 out of 100, Strong$27.1M16.1%0.62%vs
River Valley Community Federal Credit UnionCredit union Camden, AR74 out of 100, Strong$64.3M13.9%1.25%vs

Deposit insurance

Is my money safe at Baptist Health Federal Credit Union?

Yes. Baptist Health Federal Credit Union is a federally insured credit union (NCUA charter #12813). 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 2.6% of shares and deposits ($889K) 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 23.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Baptist Health Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Baptist Health Federal Credit Union
Type
Federal credit union
NCUA charter #
12813
RSSD ID
170686
Primary regulator
NCUA
Established
1959
Headquarters
9000 Kanis Rd, Little Rock, AR 72205
Employees
17

Quick answers

Baptist Health Federal Credit Union: common questions

Is Baptist Health Federal Credit Union NCUA insured?

Yes. Baptist Health Federal Credit Union is a federally insured credit union (NCUA charter #12813). 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 Health Federal Credit Union's TellerScore?

65 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 Health Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Little Rock

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs