PackageTrendsPeer
Letter portraitLegal landscape

First Baptist Church of Darby

Darby, PA · Charter 23640

NCUA · 2 branches

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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 Baptist Church of Darby

Darby, PA · Charter 23640

NCUA · 2 branches

Q1 2017

$73KAssets
$7KLoans
$55KShares
$18KNet Worth

Executive Summary

  • Earnings: ROA of -1.39%, up 4 bps year over year; NIM at 0.95%.
  • Asset quality: problem loans at 7.59% of loans (+759 bps YoY).
  • Capital: net worth / assets of 24.90%, down 57 bps from a year ago.
  • Funding: loans stand at 12.62% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

-1.39%+4 bps YoY

Net Interest Margin (YTD, annualized)

0.95%0 bps YoY

Efficiency Ratio (YTD, annualized)

246%-402 bps YoY

Net Worth / Assets

24.90%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.78%-0.75%1.83%-1.43%-1.46%0.88%0.63%-1.39%+4 bps
Return on Equity-3.08%-3.18%6.60%-5.61%-5.86%3.82%2.47%-5.58%+3 bps
Net Interest Margin0.42%0.68%0.84%0.95%0.93%0.99%0.64%0.95%0 bps
Efficiency Ratio164.23%161.54%54.76%250%253%13.20%72.69%246%-402 bps
Growth
Asset Growth (YoY)4.81%14.26%15.52%8.02%6.52%7.44%10.97%4.88%-313 bps
Loan Growth (YoY)44.83%98.98%134.98%259%-6.79%-31.07%-17.96%-14.64%-27,353 bps
Share Growth (YoY)6.47%19.07%19.13%8.58%6.60%8.22%14.10%5.59%-299 bps
Asset Quality
Delinquent Loans / Loans4.69%2.93%0.00%0.00%2.52%2.74%4.94%7.59%+759 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.71%4.11%4.71%5.66%5.06%5.93%8.16%9.44%+378 bps
Capital
Risk-Based Capital25.16%23.53%27.75%25.47%24.95%22.95%25.65%24.90%-57 bps
Net Worth / Assets25.16%23.53%27.75%25.47%24.95%22.95%25.65%24.90%-57 bps
Liquidity & Funding
Loans / Shares19.79%21.01%20.77%15.61%17.30%13.38%14.94%12.62%-299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps