SOUTHERN BAPTIST CHURCH OF NEW YORK

Charter #23177 | NY

<100M (2596 CUs) Micro
188 <100M in NY

SOUTHERN BAPTIST CHURCH OF NEW YORK has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.81% above tier average
  • + Net Interest Margin 1.51% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 2.2% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Total Assets: Bottom 0.3% in tier
  • - Total Deposits: Bottom 0.5% in tier
  • - Average Member Relationship (AMR): Bottom 1.2% in tier
  • - Total Members: Bottom 1.6% in tier
  • - Total Loans: Bottom 2.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
  • - Members Per Employee (MPE): Bottom 4.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 105
0% YoY0% QoQ
 -2.5K 2,625
-2.2% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 1.5% in tier
Assets $77,742
-2.8% YoY-6.8% QoQ
 $-29.8M $29.9M
+1.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 0.2% in tier
Loans $40,148
-6.4% YoY-1.4% QoQ
 $-15.7M $15.8M
-2.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.0% in tier
Deposits $64,396
-5.9% YoY-8.2% QoQ
 $-25.4M $25.5M
+0.4% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 0.4% in tier
ROA 3.5%
+9.6% YoY+27.3% QoQ
 +2.8% 0.7%
-731.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 1.5% in tier
NIM 5.4%
+15.3% YoY-13.3% QoQ
 +1.5% 3.9%
+3.8% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 7.8% in tier
Efficiency Ratio 40.8%
+12.5% YoY-31.6% QoQ
 -40.6% 81.4%
-2.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 2.2% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 62.3%
-0.5% YoY+7.5% QoQ
 +1.1% 61.2%
-3.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $995.7
-6.1% YoY-5.7% QoQ
 $-14K $14,627
-2.7% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 1.1% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
40
Return on Assets (ROA)
profitability
Value: 3.49%
Peer Avg: 0.68%
#40 of 2596 Top 1.5% in <100M tier
58
Efficiency Ratio
profitability
Value: 40.80%
Peer Avg: 81.39%
#58 of 2596 Top 2.2% in <100M tier
202
Net Interest Margin (NIM)
profitability
Value: 5.44%
Peer Avg: 3.93%
#202 of 2596 Top 7.7% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (11 metrics)

2590
Total Assets
balance_sheet
Value: $77,742
Peer Avg: $29.86M
#2590 of 2596 Bottom 0.3% in <100M tier
2585
Total Deposits
balance_sheet
Value: $64,396
Peer Avg: $25.45M
#2585 of 2596 Bottom 0.5% in <100M tier
2567
Average Member Relationship (AMR)
engagement
Value: $995.66
Peer Avg: $14,627
#2567 of 2596 Bottom 1.2% in <100M tier
2556
Total Members
engagement
Value: 105
Peer Avg: 2,626
#2556 of 2596 Bottom 1.6% in <100M tier
2545
Total Loans
balance_sheet
Value: $40,148
Peer Avg: $15.77M
#2545 of 2596 Bottom 2.0% in <100M tier
2521
Loan-to-Member Ratio (LMR)
engagement
Value: $382.36
Peer Avg: $5,488
#2521 of 2596 Bottom 2.9% in <100M tier
2494
Members Per Employee (MPE)
engagement
Value: 52.500
Peer Avg: 365.701
#2494 of 2596 Bottom 4.0% in <100M tier
2272
Fee Income Per Member
profitability
Value: $3.56
Peer Avg: $182.96
#2272 of 2596 Bottom 12.5% in <100M tier
2222
AMR Growth Rate
growth
Value: -6.10%
Peer Avg: 4.67%
#2222 of 2596 Bottom 14.4% in <100M tier
2215
Deposit Growth Rate
growth
Value: -5.92%
Peer Avg: 16.80%
#2215 of 2596 Bottom 14.7% in <100M tier