| Metric | Baptist Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.6% | +0.9% | +2.7 pts |
| Loan growth (YoY) | +7.5% | -2.6% | +10.1 pts |
| ROA | 0.28% | 0.65% | -0.4 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.7M | $49.7M | $40.6M | $4.8M | $76K | 0.28% | 4.09% | 0.15% | 7,260 |
| Q1 2026 | $55.4M | $50.3M | $41.1M | $4.8M | $63K | 0.46% | 4.04% | 0.26% | 7,547 |
| Q4 2025 | $53.9M | $48.7M | $41.0M | $4.7M | $685K | 1.27% | 4.10% | 0.09% | 7,772 |
| Q3 2025 | $53.1M | $47.9M | $40.7M | $4.7M | $536K | 1.35% | 4.10% | 0.37% | 7,778 |
| Q2 2025 | $52.5M | $48.0M | $37.8M | $4.2M | $61K | 0.23% | 4.09% | 0.55% | 7,775 |
| Q1 2025 | $52.7M | $48.2M | $38.2M | $4.2M | $20K | 0.15% | 4.03% | 0.40% | 8,075 |
| Q4 2024 | $52.5M | $48.0M | $39.2M | $4.2M | $170K | 0.32% | 4.08% | 0.25% | 8,075 |
| Q3 2024 | $51.8M | $47.3M | $37.0M | $4.1M | $116K | 0.30% | 4.14% | 0.21% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,048 |
| Q2 2024 | $50.7M | $46.3M | $37.7M | $4.1M | $105K | 0.41% | 4.25% | 0.23% | 8,030 |
Loan mix (Q2 2026): real estate $11.1M · commercial $7.8M · consumer $21.0M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 80.6% | 75th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Bexar, TX, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bexar, TX | 4 | $33.1M* | 0.02% | 56th |
| Dallas, TX | 2 | $16.6M* | 0.00% | 140th |
Texas: 623rd with 0.00% · San Antonio-New Braunfels metro: 76th, 0.02% · Dallas-Fort Worth-Arlington metro: 244th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6