# CORNERSTONE BAPTIST CHURCH
BROOKLYN, NY · NCUA charter 12085 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-baptist-church-12085

Who the members are: federal charter, associational, organized 1957, low-income designated. 165 members of 350 potential (47.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 1.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48,154 |
| Members | 165 (– YoY) |
| Full-time staff | 0 |
| Net worth | $25,431 |
| Net worth ratio | 52.8% (p100 of band) |
| ROA (annualized) | -6.42% (p1 of band) |
| Total delinquency | 100.00% (p100 of band) |
| Net charge-offs (annualized) | 0.00% (p26 of band) |
| Loans / shares | 5% (p1 of band) |
| Cash / assets | 102.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.79% (p1 of band) |
| Operating expense / assets | 6.11% (p93 of band) |
| Vehicles % of loans | 0% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $138 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $549 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |
| 2016-06 | 3 | delinquency 2x band |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-12-06 [Bed-Stuy church nominated for national historic status - Brooklyn Eagle](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSW5WRkQyTW1TZzZxSnVPdXB4Qjg5VlhuaEl6Yk5FRDl3Q3FZVC1TVzEwMGltaXNMQVhnb2Nuc3NCdmg3Yl9UWjFZUHZ0WWpqdl9sNmpCUlYzTS05TVdUNERMS19ucVhuSVY4cGx5em9seW55U1N2V1dyNER5RUt6T1V5US1rVlBGb052Zm1aeXk?oc=5) · Brooklyn Eagle
- 2025-05-30 [Susan Ferguson Obituary (1947 - 2025) - Spring Hill, FL - The Salamanca Press - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUmlxb3BNMnBJd1l3Tng2ZkF0SXllZElyWDBSbUlERnJxa2NheDUtZlZhT1VuVkF3VWlLQldGdVE4b3ExbGhMODNMTkFpN2tXMDFZaU5xUUNMXy00Vi0yQ2hyOWlJaGIxRTNDVGo0YlZxamdnalJ2dl9mQWtVMm5BYUZ2WlBESkNKdWR2RGloSDRub3ltTmQ0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12085 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "12085", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12085
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide