Baptist Credit Union
Nonprofit profile at a glance
- EIN
- 741300807
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- San Antonio, TX, United States
- Phone
- 210-525-0100
- Rating
- 73
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Affiliation
- Christianity
Reported finances
- Revenue
- $4,379,584
- Expenses
- $3,694,485
- Assets
- $53,832,093
- Liabilities
- $49,137,483
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
9 people listed
Executive titles in this filing
- NICOLAS HOLGUIN (PRESIDENT/CEO)
Highest reported compensation
- NICOLAS HOLGUIN (PRESIDENT/CEO): $173,020 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Icon_BCU-HiRes_With-type _It is Baptist Credit Union’s mission to meet our members’ needs by providing extraordinary service, quality financial products, and personal financial education._. _It is Baptist Credit Union’s mission to meet our members’ needs by providing extraordinary service, quality financial products, and personal financial education._ Events Mission Statement. During its 60-year history, the credit union has grown in membership and assets and now maintains over $33 million dollars in assets and has approximately 7,800 members. We are proud of our growth in size and services, and the credit union remains focused on providing its members with superior service every day! Events Mission Statement.
What it reported doing in 2025
Baptist credit union offers all types of loan products at competitive rates
Operating model
- Revenue model
- Earned-program. 89% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 75
- Transparency & Controls: 60
- Accountability: 84
- Sustainability: 65
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 75.2%; rating input score 75
- Program expense ratio: 100%; rating input score 100
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 0 of 6 controls in place; rating input score 0
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Missing
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 5 of 8 controls in place; rating input score 62
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 15.6%; rating input score 66; 66th percentile among comparable filings
- Total-asset coverage ratio: 14.57; rating input score 91; 91st percentile among comparable filings
- Liabilities to assets ratio: 0.91; rating input score 4; 4th percentile among comparable filings
- Officer compensation ratio: 4.7%; rating input score 59; 59th percentile among comparable filings
Growth
- Program expense growth: 2.7% per year; rating input score 100; 23rd percentile among comparable filings
- Revenue growth: 2.3% per year; rating input score 100; 18th percentile among comparable filings
- Asset growth: 4.8% per year; rating input score 100; 32nd percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: 75.2% of revenue deployed · 100% of spending went to programs
- Governance: 9 of 9 board members independent · 5 of 8 filing controls reported
- Programs: 2 filed program accomplishments
- Leadership: top reported pay $173K · 9 people listed · 0 of 6 pay-setting controls reported
- Consistency: 28 of 28 current checks pass
- Schedules: 4 filed schedules · includes executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 5 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Transparency & Controls: Pay-setting controls scored 0/100.
- Review — Accountability: Governance controls: 2 of 7 not reported.
- High — Sustainability: Liabilities to assets ratio scored 4/100.
- Review — Sustainability: Officer compensation ratio scored 59/100.