West Side Baptist Church Federal Credit Union Saint Louis, Missouri
West Side Baptist Church Federal Credit Union is a federal credit union headquartered in Saint Louis, MO, established in 1974 (NCUA charter 21683), and it is regulated and insured by the NCUA. At Q2 2026 it reported 331 members and total assets of $399K (up 3.2% from Q2 2025), the 85th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 14.25% at Q2 2026, in the well capitalized band.
Also written as West Side Baptist Church FCU
BankRegReports is independent of West Side Baptist Church Federal Credit Union and never asks for online banking logins or passwords.
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
- 21683
- Headquarters
- Saint Louis, MO
- Established
- 1974
- Total assets, Q2 2026
- $399K
- Assets vs Q2 2025
- +3.2%
- Members, Q2 2026
- 331
- Net worth ratio, Q2 2026
- 14.25%
- Latest call report
- Q2 2026, NCUA 5300 · West Side Baptist Church Federal Credit Union call report
- Asset rank in state
- 85th of 85 in Missouri
- Routing number
- 281082957
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 0.16 percentage points from 14.09% on June 30, 2025. Used vehicle loans are its largest loan category, $26K of $26K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Missouri
Frequently asked about West Side Baptist Church Federal Credit Union
How big is West Side Baptist Church Federal Credit Union?
At Q2 2026 it reported total assets of $399K and 331 members.
Where is West Side Baptist Church Federal Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was West Side Baptist Church Federal Credit Union founded?
It was established in 1974, per NCUA records.
Is West Side Baptist Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21683): 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 West Side Baptist Church Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is West Side Baptist Church Federal Credit Union well capitalized?
Its net worth ratio was 14.25% 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 West Side Baptist Church Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 7.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63113
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 21683
- RSSD ID
- 18984
- Members
- 331
- 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 1 of 5 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.25% | 14.31% | 50th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -3.26% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -22.89% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | -11.60% | 3.93% | under 10th 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% | -0.22% | 0.78% | over 90th top |
| 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% | -11.82% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 7.84% | 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
$399K total assets against $387K; $337K total shares and deposits against $329K; $26K total loans against $34K.
$57K net worth against $54K.
14.25% net worth ratio against 14.09%.
7.84% loan-to-share ratio against 10.33%.
-3.26% return on assets against 2.00%; -22.89% return on equity against 14.21%.
-11.60% net interest margin against 4.39%.
331 members against 335.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.25% | -3.26% | — | 7.84% |
| March 31, 2026 | 14.33% | 5.21% | — | 9.43% |
| December 31, 2025 | 14.52% | 0.94% | — | 10.82% |
| September 30, 2025 | 14.10% | -0.35% | — | 11.03% |
| June 30, 2025 | 14.09% | 2.00% | 7.40% | 10.33% |
| March 31, 2025 | 14.24% | 2.17% | — | 11.48% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.