PackageTrendsPeer
Letter portraitLegal landscape

Starlight Baptist Church

Shaker Heights, OH · Charter 96791

Q2 2006

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: Q2 2006, the quarter ended June 30, 2006, 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

Starlight Baptist Church

Shaker Heights, OH · Charter 96791

Q2 2006

$289KAssets
$39KLoans
$267KShares
$23KNet 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 -0.95%; NIM at 1.45%.
  • Asset quality: problem loans at 8.31% of loans.
  • Capital: net worth / assets of 7.88%.
  • Funding: loans stand at 14.52% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.95%

Net Interest Margin (YTD, annualized)

1.45%

Efficiency Ratio (YTD, annualized)

130.57%

Net Worth / Assets

7.88%

Year to date, annualized, through each quarter.

MetricQ4 2004Q2 2006YoY ΔTrend
Earnings
Return on Assets-0.94%-0.95%n/a
Return on Equity-10.78%-12.10%n/a
Net Interest Margin1.23%1.45%n/a
Efficiency Ratio134.95%130.57%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans10.73%8.31%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans3.52%13.33%n/a
Capital
Risk-Based Capital8.75%7.88%n/a
Net Worth / Assets8.75%7.88%n/a
Liquidity & Funding
Loans / Shares19.43%14.52%n/a
Liquid Assets / Assets79.47%0.00%n/a