BAPTIST
Charter #68358 · San Antonio, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.59% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.26% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.99% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 54th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAPTIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.39M | 14th pct | 25th pct |
| Members | 7,547 | 84th pct | 70th pct |
| Net worth ratio | 8.59% | 7th pct | 18th pct |
| Return on average assets | 0.46% | 37th pct | 39th pct |
| Net interest margin | 4.09% | 72th pct | 51th pct |
| Cost of funds | 1.30% | 72th pct | 66th pct |
| Loan-to-share | 81.80% | 86th pct | 54th pct |
| Delinquency 60+ days | 0.26% | 26th pct | 18th pct |
| Net charge-off ratio | 0.06% | 27th pct | 18th pct |
| Loan growth YoY | 1.08% | 72th pct | 43th pct |
| Share growth YoY | 4.93% | 73th pct | 69th pct |
| Efficiency ratio | 89.99% | 80th pct | 77th pct |
structural peer set hash: f2d9b1419c519b49ade10b3ecb64dc76… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.