Baptist
San Antonio, TX · Charter 68358 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
$54.7MAssets
$40.6MLoans
$49.7MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in TX (rank 49 of 235).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in TX (rank 222 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.28%
Rank 160 of 235
Net Interest Margin
4.08%
Rank 84 of 235
Efficiency Ratio
91.57%
Rank 177 of 235
Equity / Assets
8.72%
Rank 222 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.17% | 0.57% | 1.10% | Beats 32% | 160 / 235 | |
| Return on Equity | 3.19% | 1.03% | 4.30% | 7.58% | Beats 41% | 138 / 235 | |
| Net Interest Margin | 4.08% | 3.32% | 3.89% | 4.35% | Beats 64% | 84 / 235 | |
| Efficiency Ratio | 91.57% | 70.60% | 82.00% | 91.57% | Beats 25% | 177 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 80% | 49 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.72% | 11.30% | 14.41% | 19.49% | Beats 6% | 222 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.72% | 11.30% | 14.41% | 19.49% | Beats 6% | 222 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 81.66% | 54.18% | 67.38% | 81.66% | 75th pctl | 59 / 235 | |
| Loans / Assets | 74.21% | 43.80% | 56.63% | 68.64% | 85th pctl | 35 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |