# BAPTIST
San Antonio, TX · NCUA charter 68358 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baptist-68358

Who the members are: state charter, organized 1955, low-income designated. 7,547 members of 200,000 potential (3.8% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *participation buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $55.4M |
| Members | 7,547 (-6.5% YoY) |
| Full-time staff | 21 |
| Net worth | $4.8M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 0.46% (p37 of band) |
| Total delinquency | 0.26% (p26 of band) |
| Net charge-offs (annualized) | 0.06% (p27 of band) |
| Loans / shares | 82% (p86 of band) |
| Cash / assets | 21.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p70 of band) |
| Operating expense / assets | 4.92% (p87 of band) |
| Vehicles % of loans | 48% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 120% (p87 of band) |
| Vehicle delinquency | 0.51% (p47 of band) |
| Vehicle NCO | 0.03% (p36 of band) |
| Repossessed % of vehicle book | 0.13% (p87 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 144% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 24% |
| Average share balance | $3,596 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.0M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,218 |
| Loans granted, annualized | $11.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.0M outstanding purchased (168.4% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 4.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |
| 2016-06 | 3 | thin capital | auto monoline |
| 2016-09 | 4 | auto monoline |  |
| 2016-12 | 3 |  | auto monoline |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 4 | repo signal |  |
| 2017-12 | 4 | assets shrinking | repo signal |
| 2018-03 | 4 | delinquency rising | losing money |
| 2018-06 | 2 |  | assets shrinking, delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 5 | repo signal |  |
| 2020-03 | 6 | losing money |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 1 |  | expense trap, net worth falling, delinquency rising, repo signal, losing money |
| 2020-12 | 1 |  |  |
| 2021-03 | 5 | capital below 7%, net worth falling, margin squeeze |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 | delinquency rising | capital below 7% |
| 2022-03 | 3 | expense trap, repo signal | delinquency rising |
| 2022-06 | 2 |  | repo signal |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising | expense trap, assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | expense trap |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2025-03 | 3 | delinquency rising | net worth falling, 3rd-party paper>100% NW |
| 2025-06 | 4 | members leaving |  |
| 2025-09 | 5 | 3rd-party paper>100% NW |  |
| 2025-12 | 4 |  | delinquency rising |
| 2026-03 | 4 | net worth falling | expense trap |

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

- 2026-01-28 [Carolyn Matthews Obituary - Texarkana Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxQT1F6aUcyU0FKUWMySjZXMzlGdEVfZnp0cUdZYzhXZFFSMmlFLVppRE91WkdLZTdDVFNrbldxLTNhclpyOWZ0SkwwY1lMQUxDNlNFOTJjOTlaajJ5SU82SWduNE83d1JaUHdVTjdtWVl3dXl3eWNUdTcyTEdNN2xpYjJ3WGZERHM?oc=5) · Texarkana Gazette
- 2021-03-30 [This Dallas Church Acquired A Bank To Offer An Alternative To Payday Loans - KERA News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQLUdROG01bEthUFhsZUtSM2JxYjBvRUw5cXJCcWJCTTZIekpaMEM5X243eU1ZLVA2MjJlTm40VnNfU241NFNDc1hCMnc0N1FFdHIxZWk4UGtNY0FPRm1kTEZLb1B3U3dvQlpFZXVXNWVKTEliZWxxRGpwYVIwVk9HaG1BdzZmdHRNX3VYMm1iWTdxQUNHVWl0ano2eDZLcm5VNlc0OEZBZGJrWHNZNDEwNjl4azEyUQ?oc=5) · KERA News
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2026-02-13 [Alan Hodges Barbee Obituary (2026) - Arlington, TX - Wade Funeral Home & Crematory - Arlington - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFAtYWIwQWF6ckRwNjZxandWUVpWQlFRYTRiZ3FZSmpzY0pJOEgtRy1ibGhyLXlJMGRSQjBvWUowdEE5eGVuUU9HeWhlM0gyM2lZcnZITXIzU0FVcHdJMUxGSzYyVVpxZ3Z4UGpYN2FXMzByZ0pQOWVvX1gyZGE2V0k?oc=5) · legacy.com
- 2026-05-11 [2026 Best Preps Tyler winners announced - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMif0FVX3lxTE40UEJMd3Atd05ndlhWNEJqMktRcW1jSUJnSjJIYWRyTG15Ukg0V19ueEx3VjIzaWl1U1lmRFZNMVNEZURhT2Y5T1EwakVCTF9uX0tUYmI4LXFxbDNzQ1ZaRjBrNGN1VzNOOEdDX3hIZHE3bWp1V1MxakljZUxObHc?oc=5) · Tyler Morning Telegraph
- 2026-07-29 [2027 Credit Union 1 Big West Women's Basketball Championship - The Big West](https://news.google.com/rss/articles/CBMiUEFVX3lxTE90UXBVeTVqVVpyN3I3WU9FZHpMQ3VLaE1nMUNIb09VdHd3Q1pDMkxMRVJDd0JpbzFYNHctNGpHdFlrV2dQQWNKTi1pMlg3bEVP?oc=5) · The Big West
- 2019-01-28 [National Baptist Convention USA launches campaign to start federal credit union - Baptist News Global](https://news.google.com/rss/articles/CBMisgFBVV95cUxQcEVrLVR4SENkMngxZDJzYXp1T19SSUxCUXRqdWZmZGl6bTdFZ1hoNHdPYzVYNHZ2YWtVRGV0OWpSZmF5RC1Ka0VxMUlJNW5sQl9veFFpa2hqQmt4ZERtekZHY2N2YUNTTm9FcjFuMjFZOEEyV2FoUEt2ZXhEWk5XRU4yTy0tZG9DX2JKZk4xZFZmU3R5ZGM5V3N1VGJnbEt0NmtyUDEwb3p6eDM1V3BkZ2xB?oc=5) · Baptist News Global
- 2018-10-30 [Church-run credit unions keep the faith despite challenges - religionnews.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPSzMzdlVJdWtlZ19LZjdVaGR4NWdGY3BmTE91eEpPY1prNFlVRW0tbXBsbFRsVFRneGpjdHRWTWl5UG90VGJlckZJUUx4SlFueXZSQTFleWNkRk10QWNJblZaN2tGZVpsMVp6U3BQS3dJWDhjT1ZtUDBXODJETWt1YW5pR0FoVElHQTlfcDMtN0xjUGEwU01WNDI2cw?oc=5) · religionnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68358 (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/6.json (key "68358", 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=68358
- 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.

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