Baylor Health Care System Credit Union (67544), a $79.3M credit union headquartered in Dallas, TX, led by CEO Huling, reported $62.3M in member deposits at the end of 2025 Q3, a decrease of $1.9M (-2.9%) compared to the same quarter last year.
The credit union's 58.7% loan-to-share ratio reflects ample liquidity with room for additional lending capacity.
At a high level: liquidity management becomes more critical in this environment.
Deposit Composition
Baylor Health Care System Credit Union's deposit portfolio is led by Regular Shares, comprising 68.4% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $42.6M | 68.4% | -4.2% |
| Share Drafts | $17.3M | 27.8% | +1.8% |
| IRA/KEOGH | $2.0M | 3.3% | -11.9% |
| Other Shares | $328K | 0.5% | -6.3% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Deposit contraction may reflect rate-sensitive members moving funds to higher-yielding alternatives, or broader economic pressures affecting member savings capacity.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $65.7M | $13K | |
| 2024 Q3 | $64.2M | -2.3% | $13K |
| 2024 Q4 | $64.0M | -0.4% | $13K |
| 2025 Q1 | $64.6M | +1.0% | $13K |
| 2025 Q2 | $62.6M | -3.1% | $13K |
| 2025 Q3 | $62.3M | -0.4% | $13K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Baylor Health Care System Credit Union serves 4,917 members, a decrease of 1.3% year-over-year. The average member deposit of $13K has declined 1.6% compared to last year.
Deposit retention remains a key focus in the current rate environment.
Historical Context: Since the 2008 Crisis
Baylor Health Care System Credit Union's deposit base has grown 110% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $29.7M in member deposits serving 6,235 members.
Membership has declined 21% over this period, reflecting broader industry consolidation trends.
Peer Comparison
Among 994 credit unions in its $39.7M–$119.0M asset peer group, Baylor Health Care System Credit Union ranks in the 15th percentile for deposit growth. This suggests room for improvement in member deposit attraction and retention.
Outlook
Baylor Health Care System Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Baylor Health Care System Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize its deposit base.
Track This Credit Union
Monitor Baylor Health Care System Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.