Credit Union Safety Analysis
Is West Side Baptist Church Federal Credit Union Safe? Saint Louis, Missouri
Based on its Q2 2026 NCUA 5300 call report, West Side Baptist Church Federal Credit Union has a net worth ratio of 14.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, West Side Baptist Church Federal Credit Union's net worth ratio is 14.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.25%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -3.26%
- Loan-to-share ratio (Q2 2026): 7.84%
West Side Baptist Church Federal Credit Union (NCUA charter 21683, established 1974) reported $399K in assets and 331 members for Q2 2026 from Saint Louis, Missouri. It ranks 85 of 85 credit unions in Missouri by total assets. Total assets grew 3.2% from $387K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.33% for Q1 2026; 14.09% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 7.40% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 5.21% for Q1 2026; 2.00% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 9.43% for Q1 2026; 10.33% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $26K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $399K | 14.25% | — | -3.26% | 7.84% |
| March 31, 2026 | $388K | 14.33% | — | 5.21% | 9.43% |
| December 31, 2025 | $379K | 14.52% | — | 0.94% | 10.82% |
| September 30, 2025 | $384K | 14.10% | — | -0.35% | 11.03% |
| June 30, 2025 | $387K | 14.09% | 7.40% | 2.00% | 10.33% |
| March 31, 2025 | $371K | 14.24% | — | 2.17% | 11.48% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
West Side Baptist Church Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21683) · FFIEC NIC profile (RSSD 18984)
Frequently asked questions
Is West Side Baptist Church Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, West Side Baptist Church Federal Credit Union's net worth ratio is 14.25%, above the 7% NCUA threshold for well capitalized.
Is West Side Baptist Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. West Side Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter 21683): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are West Side Baptist Church Federal Credit Union's key safety ratios?
For Q2 2026, West Side Baptist Church Federal Credit Union reports net worth 14.25%, delinquency not reported, ROA -3.26%, loan-to-share 7.84%.
What happens to my money if West Side Baptist Church Federal Credit Union fails?
For Q2 2026, West Side Baptist Church Federal Credit Union held $337K in shares and deposits for 331 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.