Baptist Credit Union

5815 IH 10 West
San Antonio, TX 78201
1-800-222-2328
www.baptistcu.org

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Baptist Credit Union is headquartered in San Antonio and is the 226^th largest credit union in the state of Texas. It is also the 3,034^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 23 employees and 7,970 members. Baptist Credit Union's savings rates are 73% higher than the national average, and it boasts a 5-star health rating.

Baptist Credit Union Routing Number: 314092717

3.92% 12-Month CD at Baptist Credit Union in Texas - 1/13/2009

Baptist Credit Union is offering several competitive CD rates: 3.92% APY for 12 months, 4.13% APY for 24 months and 4.18% APY for 36 months. Minimum deposit is $500. These rates are listed in the credit union's rate table as of 1/13/09. The rate table...

5.01% 24-Month / 5.00% 12-Month CD at a Texas Credit Union (Baptist). - 2/11/2008

Update 2/23/08: The rates have gone down. Please check the institution's website for the latest rates.Baptist Credit Union continues to have high rates on its certificates. The rates have declined some since my January post, but they're still very...

5.27% 60-Month / 5.01% 24-Month CD at a Texas CU (Baptist). - 1/20/2008

Update 2/09/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Baptist Credit Union has several high rates on its certificates. The highest yield is 5.27% APY for a 60-month term. Also over 5% are the 24 and 36...

5.64% 12-Month CD at a Texas CU (Baptist Credit Union) - 8/3/2007

Baptist Credit Union is offering a 5.64% APY one-year certificate. The minimum deposit is $500. Please see their rate table for more details.Field of membership includes members of churches belonging to the San Antonio Baptist Association and the Dallas...

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See Rates for: Savings | Money Market | CD | IRA

Baptist Credit Union Savings Account Rates

Apy	Min	Max	Product
0.90%	$25	-	IRA Savings Account
0.90%	$25	-	Roth IRA Savings Account
0.90%	$25	-	Educational IRA Savings Account
0.85%	$25	-	Holiday Flex Account
0.20%	$25	-	Share Savings Account

Baptist Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.65%	$2k	-	Money Market Account

Baptist Credit Union CD Rates

Apy	Min	Max	Product
2.25%	$500	-	5 Year CD
1.60%	$500	-	4 Year CD
1.50%	$500	-	3 Year CD
1.20%	$500	-	2 Year CD
0.75%	$500	-	1 Year CD
0.55%	$500	-	6 Month CD

Baptist Credit Union IRA Rates

Apy	Min	Max	Product
2.25%	$500	-	5 Year IRA
2.25%	$500	-	5 Year Roth IRA
2.25%	$500	-	5 Year Educational IRA
1.60%	$500	-	4 Year IRA
1.60%	$500	-	4 Year Roth IRA
1.60%	$500	-	4 Year Educational IRA
1.50%	$500	-	3 Year IRA
1.50%	$500	-	3 Year Roth IRA
1.50%	$500	-	3 Year Educational IRA
1.20%	$500	-	2 Year IRA
1.20%	$500	-	2 Year Roth IRA
1.20%	$500	-	2 Year Educational IRA
0.75%	$500	-	1 Year IRA
0.75%	$500	-	1 Year Roth IRA
0.75%	$500	-	1 Year Educational IRA
0.55%	$500	-	6 Month IRA
0.55%	$500	-	6 Month Roth IRA
0.55%	$500	-	6 Month Educational IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BAPTIST
NCUA #	68358
BankRate Report	View
Year Chartered	1955
Employees	23
Primary Regulator
Assets and Liabilities
Assets	$28.15 million
Loans	$19.62 million
Deposits	$25.11 million
Equity Capital	$2.90 million
Loan Loss Allowance	$72,000
Unbacked Noncurrent Loans	$74,000
Real Estate Owned	$62,000
Historic Data - December 2010
Assets	$27.98 million
Equity Capital	$3.00 million
Loan Loss Allowance	$66,000
Unbacked Noncurrent Loans	$81,000
Real Estate Owned	$55,000
Profit Margin - Quarterly
Net Interest Margin	6.42%
Return on Assets	-0.38%
Return on Equity	-3.66%
Interest Income	$1.42 million
Non-Interest Income	$1.24 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Baptist Credit Union had $136,000 in non-current loans and owned real-estate with $2.97 million in equity and loan loss allowances on hand to cover it. This gives Baptist Credit Union a Texas Ratio of 4.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Baptist Credit Union held steady from 4.43% as of December 31, 2010 to 4.58% as of December 31, 2011, resulting in a negative change of 3.33%. This indicates that the balance sheet and financial strength for Baptist Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Baptist Credit Union has increased its total deposits by $269,000, resulting in 1.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Baptist Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Baptist Credit Union has $28.15 million in assets with $2.97 million in equity, resulting in a capitalization level of 10.55%, which is above average.