PackageTrendsPeer
Letter portraitLegal landscape

Central Baptist Church of Pit

Pittsburgh, PA · Charter 18787

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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

Central Baptist Church of Pit

Pittsburgh, PA · Charter 18787

Q3 2007

$76KAssets
$13KLoans
$70KShares
$6KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -10.75%, down 1,085 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 85.20% of loans (+3,603 bps YoY).
  • Capital: net worth / assets of 8.02%, down 287 bps from a year ago.
  • Funding: loans stand at 18.68% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-10.75%-1,085 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+172 bps YoY

Efficiency Ratio (YTD, annualized)

71.20%+380 bps YoY

Net Worth / Assets

8.02%-287 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.10%0.11%1.49%-13.49%-10.75%-1,085 bps
Return on Equity0.88%0.94%13.43%-216%-133.99%-13,488 bps
Net Interest Margin2.57%2.69%3.59%3.77%4.29%+172 bps
Efficiency Ratio67.40%68.04%39.30%72.73%71.20%+380 bps
Growth
Asset Growth (YoY)-15.84%-12.92%-1.57%-7.53%-22.01%-617 bps
Loan Growth (YoY)-17.44%-10.92%-16.47%-37.12%-45.46%-2,802 bps
Share Growth (YoY)-11.45%-16.05%-3.00%-7.90%-23.66%-1,221 bps
Asset Quality
Delinquent Loans / Loans49.17%48.99%61.39%54.86%85.20%+3,603 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.01%11.11%12.67%30.48%35.25%+2,523 bps
Capital
Risk-Based Capital10.89%11.22%11.10%6.25%8.02%-287 bps
Net Worth / Assets10.89%11.22%11.10%6.25%8.02%-287 bps
Liquidity & Funding
Loans / Shares26.15%25.94%22.19%17.07%18.68%-747 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps