PackageTrendsPeer
Letter portraitLegal landscape

First Baptist Church Cranford NJ

Cranford, NJ · Charter 66276

Q4 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: Q4 2015, the quarter ended December 31, 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

First Baptist Church Cranford NJ

Cranford, NJ · Charter 66276

Q4 2015

$86KAssets
$18KLoans
$44KShares
$41KNet 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 -9.16%, down 368 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.00% of loans (-6,954 bps YoY).
  • Capital: net worth / assets of 48.26%, down 327 bps from a year ago.
  • Funding: loans stand at 41.60% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-9.16%-368 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-27 bps YoY

Efficiency Ratio (YTD, annualized)

543%+20,824 bps YoY

Net Worth / Assets

48.26%-327 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-5.48%-5.81%-7.17%-9.89%-9.16%-368 bps
Return on Equity-10.64%-11.36%-13.95%-20.10%-18.98%-834 bps
Net Interest Margin2.33%2.08%2.00%2.02%2.07%-27 bps
Efficiency Ratio335%379%458%590%543%+20,824 bps
Growth
Asset Growth (YoY)-11.76%-12.19%-15.31%-15.13%-10.26%+150 bps
Loan Growth (YoY)-45.25%-39.57%-30.96%-13.53%-21.80%+2,344 bps
Share Growth (YoY)-15.24%-14.74%-15.70%-11.19%0.31%+1,556 bps
Asset Quality
Delinquent Loans / Loans69.54%34.08%1.87%0.00%0.00%-6,954 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.97%16.93%16.13%15.84%20.42%+445 bps
Capital
Risk-Based Capital51.53%51.15%51.42%49.22%48.26%-327 bps
Net Worth / Assets51.53%51.15%51.42%49.22%48.26%-327 bps
Liquidity & Funding
Loans / Shares53.36%50.64%53.47%53.75%41.60%-1,177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps