TellerScore

Headquartered in Saint Louis, Missouri, West Side Baptist Church Federal Credit Union is a federal credit union with $399K in total assets and $337K in member shares and deposits as of Q2 2026. Its charter dates back to 1974.

Based on its Q2 2026 filing, West Side Baptist Church Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 6th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (56/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.25%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 7.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 18 points (71 → 89), mostly because the loan quality component improved by 100 points.

TellerScore
638198Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202483
Q4 202463
Q1 202598
Q2 202571
Q3 202591
Q4 202592
Q1 202698
Q2 202689
Net worth ratio
7.00%10.76%14.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.90%
Q3 202411.84%
Q4 202412.91%
Q1 202514.24%
Q2 202514.09%
Q3 202514.10%
Q4 202514.52%
Q1 202614.33%
Q2 202614.25%
Delinquent loans (60+ days)
0.00%3.70%7.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20244.16%
Q1 20250.00%
Q2 20257.40%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.29%2.46%5.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.29%
Q3 20241.03%
Q4 20241.43%
Q1 20252.17%
Q2 20252.04%
Q3 20251.26%
Q4 20251.19%
Q1 20265.21%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$399K14.25%0.00%0.90%7.8%
Q1 202698$388K14.33%0.00%5.21%9.4%
Q4 202592$379K14.52%0.00%1.19%10.8%
Q3 202591$384K14.10%0.00%1.26%11.0%
Q2 202571$387K14.09%7.40%2.04%10.3%
Q1 202598$371K14.24%0.00%2.17%11.5%
Q4 202463$399K12.91%4.16%1.43%12.1%
Q3 202483$413K11.84%0.00%1.03%11.1%
Q2 202470$414K10.90%0.00%-0.29%9.3%

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 ratio14.25%
50th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.90%
64th
Loans to deposits7.8%
99th
Uninsured deposits0.0%
81st
Loan-loss reserves3.73%
95th
Texas ratio0.0%
93rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
African Diaspora Federal Credit UnionCredit union Saint Ann, MO50 out of 100, Below average$547K-2.3%0.00%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Bothwell Hospital Employees Credit UnionCredit union Sedalia, MO13 out of 100, Low$1.5M3.5%5.23%vs
St. Augustine Credit UnionCredit union Kelso, MO83 out of 100, Strong$1.5M14.4%0.00%vs
Northeast Regional Credit UnionCredit union Hannibal, MO76 out of 100, Strong$1.8M13.3%0.00%vs
Wedevelopment Federal Credit UnionCredit union Kansas City, MO25 out of 100, Low$2.4M-11.7%12.47%vs

Deposit insurance

Is my money safe at West Side Baptist Church Federal Credit Union?

Yes. West Side Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter #21683). 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 14.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
West Side Baptist Church Federal Credit Union
Type
Federal credit union
NCUA charter #
21683
RSSD ID
18984
Primary regulator
NCUA
Established
1974
Headquarters
4675 Page Blvd, Saint Louis, MO 63113

Quick answers

West Side Baptist Church Federal Credit Union: common questions

Is West Side Baptist Church Federal Credit Union NCUA insured?

Yes. West Side Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter #21683). 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 West Side Baptist Church Federal Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.