PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Baptist Church of New York

New York, NY · Charter 23177

NCUA · 1 branch

Q2 2026

$77KAssets
$34KLoans
$63KShares
$14KNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 271 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.59%, up 275 bps from a year ago.
  • Funding: loans stand at 53.44% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.03%-271 bps YoY

Net Interest Margin (quarter, annualized)

4.38%-188 bps YoY

Efficiency Ratio (quarter, annualized)

99.39%+3,975 bps YoY

Net Worth / Assets

18.59%+275 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.39%3.22%1.98%2.74%3.62%1.98%3.22%0.03%-271 bps
Return on Equity23.54%21.55%13.17%17.27%21.09%10.69%16.66%0.17%-1,710 bps
Net Interest Margin5.01%4.76%8.20%6.25%5.64%5.95%4.62%4.38%-188 bps
Efficiency Ratio36.26%36.66%77.41%59.64%40.80%69.44%40.91%99.39%+3,975 bps
Growth
Asset Growth (YoY)-40.85%-40.59%-4.04%-7.29%-2.76%-4.34%-6.42%-7.33%-3 bps
Loan Growth (YoY)42.35%-6.85%-6.52%-5.94%-6.38%-14.70%-16.93%-17.42%-1,148 bps
Share Growth (YoY)-45.82%-45.68%-7.61%-11.10%-5.92%-8.42%-11.10%-10.35%+75 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans13.82%13.13%13.68%14.55%14.76%15.40%17.19%18.40%+384 bps
Capital
Risk-Based Capital14.38%14.94%15.06%15.85%17.17%18.57%19.31%18.59%+275 bps
Net Worth / Assets14.38%14.94%15.06%15.85%17.17%18.57%19.31%18.59%+275 bps
Liquidity & Funding
Loans / Shares62.65%65.62%61.53%58.02%62.35%61.12%57.49%53.44%-458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps