High Street Baptist Church Federal Credit Union Roanoke, Virginia
High Street Baptist Church Federal Credit Union is a federal credit union headquartered in Roanoke, VA, established in 1957 (NCUA charter 11986), and it is regulated and insured by the NCUA. At Q2 2026 it reported 278 members and total assets of $2.5M (up 6.6% from Q2 2025), the 85th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 14.67% at Q2 2026, in the well capitalized band.
Also written as High Street Baptist Church FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 11986
- Headquarters
- Roanoke, VA
- Established
- 1957
- Total assets, Q2 2026
- $2.5M
- Assets vs Q2 2025
- +6.6%
- Members, Q2 2026
- 278
- Net worth ratio, Q2 2026
- 14.67%
- Latest call report
- Q2 2026, NCUA 5300 · High Street Baptist Church Federal Credit Union call report
- Asset rank in state
- 85th of 94 in Virginia
- Routing number
- 251482778
- Branches
- 1
It has 2 more members than on June 30, 2025 (+0.7%). Its net worth ratio was up 0.20 percentage points from 14.47% on June 30, 2025. Used vehicle loans are its largest loan category, $260K of $576K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Virginia
Frequently asked about High Street Baptist Church Federal Credit Union
How big is High Street Baptist Church Federal Credit Union?
At Q2 2026 it reported total assets of $2.5M and 278 members.
Where is High Street Baptist Church Federal Credit Union headquartered?
It is headquartered in Roanoke, VA, United States.
When was High Street Baptist Church Federal Credit Union founded?
It was established in 1957, per NCUA records.
Is High Street Baptist Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11986): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates High Street Baptist Church Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is High Street Baptist Church Federal Credit Union well capitalized?
Its net worth ratio was 14.67% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is High Street Baptist Church Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 26.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Roanoke, VA 24017
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 11986
- RSSD ID
- 269188
- Members
- 278
- Potential members
- 500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 5 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.67% | 14.31% | 52nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.73% | 0.72% | 51st above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.01% | 4.74% | 52nd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.79% | 3.93% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.80% | 0.78% | 49th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.59% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 26.59% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.5M total assets against $2.4M; $2.2M total shares and deposits against $2.0M; $576K total loans against $543K.
$373K net worth against $345K.
14.67% net worth ratio against 14.47%.
26.59% loan-to-share ratio against 26.65%.
0.73% return on assets against 1.93%; 5.01% return on equity against 13.33%.
2.79% net interest margin against 3.04%.
278 members against 276.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.67% | 0.73% | — | 26.59% |
| March 31, 2026 | 14.79% | 1.39% | — | 25.43% |
| December 31, 2025 | 14.88% | 1.00% | — | 22.08% |
| September 30, 2025 | 14.90% | 1.35% | — | 25.46% |
| June 30, 2025 | 14.47% | 1.93% | — | 26.65% |
| March 31, 2025 | 14.16% | 0.77% | — | 24.18% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.