PackageTrendsPeer
Letter portraitLegal landscape

The Triumph Baptist

Philadelphia, PA · Charter 21535

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

The Triumph Baptist

Philadelphia, PA · Charter 21535

Q3 2015

$350KAssets
$263KLoans
$306KShares
$16KNet 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 -4.39%, down 241 bps year over year; NIM at 5.62%.
  • Asset quality: problem loans at 5.63% of loans (-525 bps YoY).
  • Capital: net worth / assets of 4.58%, down 284 bps from a year ago.
  • Funding: loans stand at 85.82% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-4.39%-241 bps YoY

Net Interest Margin (YTD, annualized)

5.62%+117 bps YoY

Efficiency Ratio (YTD, annualized)

61.03%-5,225 bps YoY

Net Worth / Assets

4.58%-284 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.97%-0.44%-15.08%-7.27%-4.39%-241 bps
Return on Equity-26.59%-5.53%-340%-199.27%-95.77%-6,917 bps
Net Interest Margin4.44%4.85%4.94%5.23%5.62%+117 bps
Efficiency Ratio113.28%96.04%87.69%56.17%61.03%-5,225 bps
Growth
Asset Growth (YoY)-27.75%-7.01%-16.38%-14.33%-22.07%+568 bps
Loan Growth (YoY)32.98%1.36%3.43%3.00%-13.25%-4,624 bps
Share Growth (YoY)-36.15%-7.12%-17.46%-13.72%-14.96%+2,119 bps
Asset Quality
Delinquent Loans / Loans10.88%11.17%13.32%4.76%5.63%-525 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.34%5.48%11.26%8.33%8.74%+340 bps
Capital
Risk-Based Capital7.42%7.95%4.44%3.65%4.58%-284 bps
Net Worth / Assets7.42%7.95%4.44%3.65%4.58%-284 bps
Liquidity & Funding
Loans / Shares84.13%83.35%83.47%81.70%85.82%+169 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps