TellerScore

Baptist Health South Florida Federal Credit Union (NCUA charter #14391) is based in Miami, Florida. Its Q2 2026 call report shows $140.2M in total assets and $122.9M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Baptist Health South Florida Federal Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 54th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is earnings (59/100; 0.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.04%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity79/100
Loans ÷ shares: 81.4% · 2.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.65%

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 4 points (67 → 71), mostly because the earnings component improved by 10 points.

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202466
Q4 202466
Q1 202563
Q2 202567
Q3 202566
Q4 202566
Q1 202669
Q2 202671
Net worth ratio
7.00%9.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.52%
Q3 202412.03%
Q4 202411.82%
Q1 202510.99%
Q2 202511.38%
Q3 202511.41%
Q4 202511.62%
Q1 202611.04%
Q2 202611.04%
Delinquent loans (60+ days)
0.48%0.72%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.88%
Q4 20240.70%
Q1 20250.94%
Q2 20250.87%
Q3 20250.91%
Q4 20250.96%
Q1 20260.48%
Q2 20260.62%
Return on assets
0.35%0.67%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.45%
Q3 20240.52%
Q4 20240.35%
Q1 20250.36%
Q2 20250.73%
Q3 20250.66%
Q4 20250.73%
Q1 20260.60%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$140.2M11.04%0.62%0.98%81.4%
Q1 202669$135.8M11.04%0.48%0.60%81.9%
Q4 202566$127.2M11.62%0.96%0.73%87.5%
Q3 202566$127.0M11.41%0.91%0.66%84.9%
Q2 202567$127.0M11.38%0.87%0.73%84.0%
Q1 202563$127.9M10.99%0.94%0.36%80.4%
Q4 202466$118.4M11.82%0.70%0.35%88.2%
Q3 202466$116.8M12.03%0.88%0.52%88.2%
Q2 202467$111.5M12.52%0.92%0.45%91.4%

1,341 peers · $100 million – $1 billion

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 ratio11.04%
45th
Problem loans0.62%
54th
Net charge-offs0.79%
16th
Return on assets0.98%
65th
Loans to deposits81.4%
37th
Uninsured deposits2.4%
87th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Coastline Federal Credit UnionCredit union Jacksonville, FL70 out of 100, Strong$136.2M11.6%0.41%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs
Okaloosa County Teachers Federal Credit UnionCredit union Crestview, FL57 out of 100, Moderate$135.3M9.5%1.39%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Broward Healthcare Federal Credit UnionCredit union Fort Lauderdale, FL53 out of 100, Below average$133.7M7.7%1.00%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs

Deposit insurance

Is my money safe at Baptist Health South Florida Federal Credit Union?

Yes. Baptist Health South Florida Federal Credit Union is a federally insured credit union (NCUA charter #14391). 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 2.4% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.04%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Baptist Health South Florida Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Baptist Health South Florida Federal Credit Union
Type
Federal credit union
NCUA charter #
14391
RSSD ID
222286
Primary regulator
NCUA
Established
1961
Headquarters
13200 SW 128th St, Building C-1, Miami, FL 33186
Employees
53

Quick answers

Baptist Health South Florida Federal Credit Union: common questions

Is Baptist Health South Florida Federal Credit Union NCUA insured?

Yes. Baptist Health South Florida Federal Credit Union is a federally insured credit union (NCUA charter #14391). 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 South Florida Federal Credit Union's TellerScore?

71 out of 100 (Strong), 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 South Florida Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs