# BAPTIST HEALTH SOUTH FLORIDA
Miami, FL · NCUA charter 14391 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baptist-health-south-florida-14391

Who the members are: federal charter, service (single sponsor), organized 1961, low-income designated, minority depository institution. 13,934 members of 28,150 potential (49.5% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $135.8M |
| Members | 13,934 (2.1% YoY) |
| Full-time staff | 41 |
| Net worth | $15.0M |
| Net worth ratio | 11.1% (p41 of band) |
| ROA (annualized) | 0.60% (p43 of band) |
| Total delinquency | 0.48% (p39 of band) |
| Net charge-offs (annualized) | 0.84% (p85 of band) |
| Loans / shares | 82% (p75 of band) |
| Cash / assets | 25.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.04% (p97 of band) |
| Operating expense / assets | 5.40% (p92 of band) |
| Vehicles % of loans | 62% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.19% (p20 of band) |
| Vehicle NCO | 0.34% (p39 of band) |
| Repossessed % of vehicle book | 0.22% (p86 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 42% |
| Average share balance | $4,363 |
| Participations bought / yr | $0 |
| Participations sold / yr | $7,728 |
| Participations outstanding | $90,226 |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $11,643 |
| Loans granted, annualized | $46.1M |

## Participation posture (from the same filings)

Bought $0 and sold $7,728 in the latest annualized quarter; $90,226 outstanding purchased (0.6% of net worth), $90,226 sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, charge-offs p90, auto monoline |  |
| 2016-06 | 5 | delinquency 2x band, repo signal |  |
| 2016-09 | 3 |  | delinquency 2x band, repo signal |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | net worth falling, delinquency 2x band |  |
| 2017-06 | 4 |  | delinquency 2x band |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 4 | repo signal |  |
| 2018-03 | 3 |  | repo signal |
| 2018-06 | 3 | net worth falling | charge-offs p90 |
| 2018-09 | 3 | charge-offs p90 | net worth falling |
| 2018-12 | 4 | members leaving |  |
| 2019-03 | 4 | delinquency rising | charge-offs p90 |
| 2019-06 | 4 | charge-offs p90 | delinquency rising |
| 2019-09 | 3 |  | members leaving |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze | charge-offs p90 |
| 2020-09 | 5 | delinquency rising |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 5 | delinquency 2x band, charge-offs p90 | net worth falling |
| 2021-09 | 2 |  | margin squeeze, delinquency 2x band, charge-offs p90 |
| 2021-12 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2022-03 | 4 |  | delinquency 2x band |
| 2022-06 | 4 | delinquency 2x band | delinquency rising |
| 2022-09 | 3 |  | delinquency 2x band |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | net worth falling, delinquency 2x band |  |
| 2023-09 | 4 |  | delinquency 2x band |
| 2023-12 | 5 | delinquency 2x band, delinquency rising | net worth falling |
| 2024-03 | 3 |  | charge-offs p90, delinquency 2x band |
| 2024-06 | 4 | net worth falling, charge-offs p90 | delinquency rising |
| 2024-09 | 3 |  | charge-offs p90 |
| 2024-12 | 4 | charge-offs p90 |  |
| 2025-03 | 4 | margin squeeze | charge-offs p90 |
| 2025-06 | 2 |  | net worth falling, margin squeeze |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 2 |  | charge-offs p90 |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-04-09 [Baptist Health Foundation Denim & Diamonds Celebrates Major Donors to Baptist Health Fishermen’s Community Hospital - southfloridahospitalnews.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQX1NubWRnSTJnajRKdjRVbEdEU2RfQ1dPRlI3LW0zRUFoYUd5U19MVHRwa1dzbUtNMmREU1VwOEZQTzNpQ3VRWjZMSEJKOXNLV3NfNmRXcnJva245NFJZTVNwNmVJNmI0dEptalBTN0NIUGY0cXpoSHF4VDRQMFQ2cXp3dVliOXhXeXhhQkdmQ0FyLUpDYnQxVVcyWW90Ty1aMGMzSFItRDZtcWlWb1lnc2x5YzlHeU56X0JLWF81N3Y0VzU2WkxhWkZKVTlxM1c3UEFhcnI0S2EzeEprWnZUalBLcUk?oc=5) · southfloridahospitalnews.com
- 2025-12-08 [Florida High School Athletic Association Announces Baptist Health as Exclusive Healthcare Partner of the 1A-7A Football State Championships - Florida High School Athletic Association](https://news.google.com/rss/articles/CBMilAJBVV95cUxOZVVFcVFCVnZhcG9XSmpRNTlzSEp4YVV4VlJWLVRWR3NiTDZ0cnMxX0R4ODduenRfUGQ3aDFGYjZ3QktGZjBzSFpFeU5OVG9mdzRJaGh4SlBieW1GYWJlVVpIdGQ3UDd1cTNYaHdIeng0MXZwblkxbjlhSWlDY085Q2l6SlpjanljNHBNUHM4QjR5MU5vT21Idjl0LXZRYk5PUUxFUm0zLVBWZDE3aVl3VmZVSU84c0J1Uk5mbUJnTXh1TE05X2hVNXozNXlXNDlTa2RQdXoyeHU2V0hDYkF2WDBkYWExNk1iTlJnQ2dVRnB0ZUhLRndvb00zQ1V6VkcxQk5pMTRfXzhiXzFzalBxTVBtZ1A?oc=5) · Florida High School Athletic Association
- 2024-04-16 [FAU President’s Gala Benefits Scholarships and Student Success - Florida Atlantic University](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUTBPQVNIOXVyWkczaWgwcHMyaENCelZtajk3Ul94ckl2WUlKRFo3RHFtTEdGUC1ubndad3lsR1UzSWo4U2JmeXcyT3R6NnZKR1o0ZURsbVVSTHpreHpUZjBwcm5jWDZwZEFLdlcyS2ptenYwdzNlT3h3U0wwOEMxbldhYUZjVkxySjg0TTF1M2g3RzhOM2xvQVh1ZEZUTnV4TVh2UzRR?oc=5) · Florida Atlantic University
- 2014-06-24 [League honors exceptional service for credit unions with 2014 LSCU Awards - Miami's Community News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPczlwUWt2Nnpwa0RkbExfcGFXQnBwcE5HT1BpemY1S2hvelBURXhXcWY2cllDRnNHTGQ1Q1dudlgzVEVGSXFFc20yb0Uta2xtZTJyMUtHd1lIVjBvaDZSXzBzYmVUVHh2MW5Hb05OMUZpMGpnNVk5c0pjV21BZ3hTNjhXRXk3T29SN3FmVkpuQTd4bV9xQVpJWWxRcU5XV1Q1V1J4bkFteTUzTWhFQkE5VGNTTWtfSFpQeVRoQ0FB?oc=5) · Miami's Community News
- 2025-10-14 [Where are the best places to work in South Florida? See the company rankings - Miami Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE1fZWpmdV9mZ19iZE04UGtHNEVfam5FaE9XSGNOUnRsc2RxdzRxR2lwSlRRR2VGWG5EeDBKcnhvR01kdDgzaDBOQklXMXdRQmxldlZVR0ZRUUMyZnFGSm1pQ3ZaSG44SVlpVTlfMmZPR2XSAXBBVV95cUxOVU51M0pYVTNjcEdZaS1hMHp6Yzl2eVZxVDM1UTJYQkJLRzJicjdwd3hQSG5XNWl0MGpGdGZfQVU5dEE0UEV6YTVGR1B2T183ZnZnT2pBWjk3eG1lWFNJbUEtblFidnRfUXJnTU93MW1v?oc=5) · Miami Herald
- 2022-11-10 [Fortune 100 Best Companies to Work For - Fortune](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1OUzE3MDRiempQR2wzckFhalRnSkZaVGt4RE1VMUN1bkVENzRaRHR6bXE3QnVIV3RXcU1NeWJTNGxzWC1BQW1LNHZ1ZF84QTYwYzMzOGg2TDVvbVdu?oc=5) · Fortune
- 2017-02-24 [2017 Power Leaders in Marketing - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNXzdqSWdlOTFBTlBQeC1lNEFZc2hYSTJQNVJBR0ZQUUR0NEVzXy1iU24xYTA1NTdWd1ZSaW51UVFvRTBJaTVXT2VMWHZ6VWxzOU9FSW4zUXZUcnBIWHhXMjV2UXU5ZVZWOUNVanJBRkN2Ml9oWXdIa0ZJSXFPZV9xcnVjQ25Lb0RZUWNsZlQ2a1pYOWFxb2Uw?oc=5) · The Business Journals
- 2016-04-27 [Chamber South Business Expo Promotes “Keep It Local” Idea - Miami's Community News](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUFExQldCLTRycVlrVE5HM3NoNUo1d1VRQXNRU21LMlZMa0lZYWtqU3h2clJOakxveVctYnZ6RFpnVGVVdE1UUy0zTFN3TWFEOWM5bmg3UFlGSmtGLXhORUJnX1hFaV9sT21zWkhWdUZ1VWpjVXd1X0FHaHExMWgxTER3RlBwVnBaYjdBd3ZlTEZjQ2JzRzRYQWJDUmlTdWM?oc=5) · Miami's Community News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14391 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "14391", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=14391
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide