Baylor Health Care System

Dallas, TX · 2 · Charter #67544 · www.bhcscu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$81.2M
32th percentile
Members
4,881
23th percentile
Total loans
$34.8M
20th percentile
Total shares
$63.7M
27th percentile

Profitability

Return on assets
0.84%
37th percentile
Net interest margin
3.70%
52th percentile
Efficiency ratio
78.38%
9th percentile
Non-interest income ratio
17.72%
53th percentile

Capital & Risk

Net worth ratio
21.90%
96th percentile
Delinquency rate
1.93%
11th percentile
Net charge-off rate
0.59%
25th percentile
Loan-to-share
54.60%
26th percentile

Growth

Member growth YoY
-2.09%
32th percentile
Asset growth YoY
1.07%
27th percentile
Loan growth YoY
-20.91%
0th percentile
Share growth YoY
-0.38%
20th percentile

Operations

Members / branch
4,881
82th percentile
Assets / member
$16,634
67th percentile
Field of membership penetration
44.37%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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