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First African Baptist Church

Sharon Hill, PA · Charter 23169

NCUA · 1 branch

Q3 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: Q3 2016, the quarter ended September 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

First African Baptist Church

Sharon Hill, PA · Charter 23169

NCUA · 1 branch

Q3 2016

$76KAssets
$17KLoans
$75KShares
$2KNet 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 -1.82%, down 28 bps year over year; NIM at 0.71%.
  • Asset quality: problem loans at 3.43% of loans (-1,896 bps YoY).
  • Capital: net worth / assets of 2.10%, down 488 bps from a year ago.
  • Funding: loans stand at 23.08% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.82%-28 bps YoY

Net Interest Margin (YTD, annualized)

0.71%+7 bps YoY

Efficiency Ratio (YTD, annualized)

173.73%+697 bps YoY

Net Worth / Assets

2.10%-488 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.54%-1.39%-4.25%-8.97%-1.82%-28 bps
Return on Equity-22.06%-16.70%-75.50%-263%-86.80%-6,474 bps
Net Interest Margin0.64%0.92%1.67%1.93%0.71%+7 bps
Efficiency Ratio166.75%156.73%344%259%173.73%+697 bps
Growth
Asset Growth (YoY)-1.02%-3.44%-0.01%-15.53%-13.08%-1,207 bps
Loan Growth (YoY)-39.63%132.75%281%467%192.97%+23,260 bps
Share Growth (YoY)-1.04%-2.32%2.43%-11.23%-8.53%-748 bps
Asset Quality
Delinquent Loans / Loans22.38%7.41%6.13%2.99%3.43%-1,896 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans14.31%4.65%3.79%4.34%4.89%-943 bps
Capital
Risk-Based Capital6.98%8.31%5.64%3.41%2.10%-488 bps
Net Worth / Assets6.98%8.31%5.64%3.41%2.10%-488 bps
Liquidity & Funding
Loans / Shares7.20%26.80%25.77%25.90%23.08%+1,587 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps