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Cornerstone Baptist Church

Brooklyn, NY · Charter 12085

NCUA · 1 branch

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cornerstone Baptist Church

Brooklyn, NY · Charter 12085

NCUA · 1 branch

Q2 2016

$48KAssets
$1KLoans
$23KShares
$25KNet Worth

Executive Summary

  • Earnings: ROA of -6.42%, down 652 bps year over year; NIM at 0.79%.
  • Asset quality: problem loans at 100.00% of loans (+16 bps YoY).
  • Capital: net worth / assets of 52.81%, up 3,102 bps from a year ago.
  • Funding: loans stand at 4.83% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

-6.42%-652 bps YoY

Net Interest Margin (YTD, annualized)

0.79%+69 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

52.81%+3,102 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-1.08%-0.25%0.09%0.11%0.05%0.05%-9.69%-6.42%-652 bps
Return on Equity-4.96%-1.14%0.42%0.49%0.22%0.12%-20.06%-12.15%-1,264 bps
Net Interest Margin0.56%0.50%0.09%0.11%0.14%0.05%0.34%0.79%+69 bps
Efficiency Ratio166.83%183.31%0.00%0.00%65.15%0.00%2979%n/an/a
Growth
Asset Growth (YoY)-0.37%2.37%3.47%3.02%3.15%-43.80%-54.84%-61.10%-6,411 bps
Loan Growth (YoY)-65.02%-70.34%-67.25%-62.74%-56.36%-100.00%-100.00%-14.03%+4,872 bps
Share Growth (YoY)0.61%3.43%4.57%4.39%3.77%-57.67%-70.74%-76.36%-8,075 bps
Asset Quality
Delinquent Loans / Loans100.00%65.75%99.93%99.84%99.92%n/an/a100.00%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans96.47%88.92%130.67%148.90%215%n/an/a233%+8,401 bps
Capital
Risk-Based Capital21.84%22.12%21.80%21.79%21.94%40.61%48.28%52.81%+3,102 bps
Net Worth / Assets21.84%22.12%21.80%21.79%21.94%40.61%48.28%52.81%+3,102 bps
Liquidity & Funding
Loans / Shares2.91%2.09%1.51%1.33%1.22%0.00%0.00%4.83%+350 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps