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Letter portraitLegal landscapeQuarterYTD

East End Baptist Tabernacle

Bridgeport, CT · Charter 23896

NCUA · 1 branch

Q2 2026

$140KAssets
$7KLoans
$119KShares
$21KNet Worth

Executive Summary

  • Earnings: ROA of -0.15%, down 103 bps year over year; NIM at 1.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.84%, up 142 bps from a year ago.
  • Funding: loans stand at 5.69% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.15%-103 bps YoY

Net Interest Margin (quarter, annualized)

1.11%-9 bps YoY

Efficiency Ratio (quarter, annualized)

108.28%+2,939 bps YoY

Net Worth / Assets

14.84%+142 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%0.49%-0.50%0.88%0.27%0.14%-0.12%-0.15%-103 bps
Return on Equity9.93%4.06%-3.92%6.53%1.90%0.88%-0.79%-1.04%-756 bps
Net Interest Margin2.92%2.61%2.14%1.20%0.95%1.11%1.59%1.11%-9 bps
Efficiency Ratio60.94%84.57%114.33%78.89%91.65%95.53%106.62%108.28%+2,939 bps
Growth
Asset Growth (YoY)-7.35%33.67%19.55%8.42%-0.44%-21.17%-18.20%-12.18%-2,061 bps
Loan Growth (YoY)-33.63%-35.21%-42.72%-3.44%11.29%40.47%37.09%6.82%+1,025 bps
Share Growth (YoY)-10.03%39.07%23.64%9.87%-0.15%-24.20%-21.11%-13.62%-2,349 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 / Loans80.39%99.82%126.75%71.60%72.23%71.07%92.46%67.04%-457 bps
Capital
Risk-Based Capital14.37%12.10%12.76%13.42%14.12%15.48%15.86%14.84%+142 bps
Net Worth / Assets14.37%12.10%12.76%13.42%14.12%15.48%15.86%14.84%+142 bps
Liquidity & Funding
Loans / Shares4.42%3.03%2.56%4.60%4.93%5.61%4.44%5.69%+109 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps