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Overview / Commentary
5815 W Interstate 10
San Antonio, TX 78201

Baptist Credit Union is headquartered in San Antonio and is the 220th largest credit union in the state of Texas. It is also the 2,835th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 23 employees and 7,557 members. Baptist Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the Baptist Health System (any Hospital in San Antonio) or several other select companies. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Baptist Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Baptist Credit Union had $150,000 in non-current loans and owned real-estate with $3.21 million in equity and loan loss allowances on hand to cover it. This gives Baptist Credit Union a Texas Ratio of 4.68% 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 decreased slightly from 5.59% as of March 31, 2013 to 4.68% as of March 31, 2014, resulting in a positive change of 16.26%.This indicates that the balance sheet and financial strength for Baptist Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Baptist Credit Union has increased its total deposits by $1.82 million, resulting in 6.56% 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 excellent.



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 $33.1 million in assets with $3.21 million in equity, resulting in a capitalization level of 9.69%, which is above average.

Institution Statistics

NCUA #68358
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$33.10 million
Loans$23.30 million
Deposits$29.60 million
Equity Capital$3.13 million
Loan Loss Allowance$73,000
Unbacked Noncurrent Loans$150,000
Real Estate Owned$0
Historic Data - March 2013
Assets$31.10 million
Equity Capital$3.06 million
Loan Loss Allowance$88,000
Unbacked Noncurrent Loans$150,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.44%
Return on Assets-0.48%
Return on Equity-5.11%
Interest Income$372,000
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Baptist Credit Union Savings Account Rates

0.75%$25-IRA Savings Account
0.75%$25-Roth IRA Savings Account
0.75%$25-Educational IRA Savings Account
0.50%$25-Holiday Flex Account
0.20%$25-Share Savings Account

Baptist Credit Union Money Market Rates

0.35%$2k-Money Market Account

Baptist Credit Union CD Rates

1.75%$500-5 Year CD with compounding
1.74%$500-5 Year CD w/o compounding
1.31%$500-4 Year CD with compounding
1.30%$500-4 Year CD w/o compounding
1.01%$500-3 Year CD with compounding
1.00%$500-3 Year CD w/o compounding
0.75%$500-2 Year CD with compounding
0.75%$500-2 Year CD w/o compounding
0.60%$500-1 Year CD with compounding
0.60%$500-1 Year CD w/o compounding
0.50%$500-6 Month CD with compounding
0.50%$500-6 Month CD w/o compounding

Baptist Credit Union Locations
Branch Office5815 W Interstate 10San Antonio, TX 78201
Branch Office3333 Research PlzSan Antonio, TX 78235
Branch Office111 Dallas StSan Antonio, TX 78205
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Branch Office8811 Village DrSan Antonio, TX 78217