# TRINITY BAPTIST CHURCH
Florence, SC · NCUA charter 19619 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trinity-baptist-church-19619

Who the members are: federal charter, associational, organized 1969, low-income designated, minority depository institution. 194 members of 1,000 potential (19.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 24.

**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 | $2.3M |
| Members | 194 (1.6% YoY) |
| Full-time staff | 0 |
| Net worth | $381,010 |
| Net worth ratio | 16.7% (p60 of band) |
| ROA (annualized) | 0.98% (p69 of band) |
| Total delinquency | 0.19% (p31 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 44% (p29 of band) |
| Cash / assets | 62.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p21 of band) |
| Operating expense / assets | 2.18% (p14 of band) |
| Vehicles % of loans | 49% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 0% |
| Average share balance | $9,802 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $18,024 |
| Loans granted, annualized | $243,628 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | members leaving, loan book shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 4 | delinquency 2x band |  |
| 2018-03 | 1 | charge-offs p90 | members leaving, loan book shrinking, delinquency rising, delinquency 2x band |
| 2018-06 | 1 | net worth falling | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | net worth falling |
| 2019-06 | 2 | assets shrinking, members leaving |  |
| 2019-09 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 2 |  |  |
| 2020-06 | 0 |  | assets shrinking, delinquency rising |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | margin squeeze, delinquency 2x band, delinquency rising | net worth falling |
| 2021-06 | 5 | losing money, assets shrinking |  |
| 2021-09 | 4 |  | margin squeeze |
| 2021-12 | 4 | net worth falling | assets shrinking |
| 2022-03 | 2 |  | delinquency rising, losing money |
| 2022-06 | 2 | charge-offs p90 | net worth falling |
| 2022-09 | 2 | losing money | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 0 |  | charge-offs p90, losing money, delinquency 2x band |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | delinquency 2x band, assets shrinking |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 3 | losing money, margin squeeze | members leaving |
| 2026-03 | 3 | delinquency rising | losing money |

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

- 2026-05-06 [Sarah Muldrow Obituary May 6, 2026 - drapergmyersmortuary.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBHQWQ5MUtiRkNadUxGZkJkU0Z5MHV2SHFNOUlCS2RjY0d4ODZkaU9ILTYwdXFOR2ZWR180bUF6WllwdUtlN1ZacGFmNDVDNWk3bVBiUFdMbFUwUnpmUFgwOTFxTXpPVnVhdlZXOXhn?oc=5) · drapergmyersmortuary.com
- 2025-06-23 [James E. Byrd Obituary Jun 23, 2025 - smithfuneralhomesc.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1BbGttZ2tSaGhSZGxfMWh5UnhBTDhqelcwSlc2MHBrV0VDeHV4OWh1eXZRVDlWZHFSUzNTT1pCdFFHRUR3cEh3NlhRQXBtdDFIeW1nNFhhSkxHRjlndXJTNVhDZWV1UXc?oc=5) · smithfuneralhomesc.com
- 2025-07-06 [Mary Helderman Obituary - Raleigh, NC - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNcUM5eW1NUTVfZFAtZjNzelJBTkd4cnQtbF9zQlRwQTFkMi12b3R1anJLSlVmZDZ3TW1sTTQ4bGZpY3NLZTJKU0JtMVQ1azVRQThLQUhoSjYycmhpTmdjX1NZeHlySTJuOWhMSEVqUXU1TG43M1pmZXBTTTFPWnlSUDAtbw?oc=5) · Dignity Memorial
- 2020-04-25 [Rev. Dr. William P. Diggs, Sr.'s Obituary - articobits.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOdWZNb1o4R2tUMjc1M3NQaVRFNTFWYnEzNkZ3ZXpMa3g1WFRSRlhVV1lLNzNIM0FFdFlnS0NPajlibWRQNnJ4UUNwbTZNUDVLU05FbnBUaEo2NFlpdTU2c3pQaWtlOHZVcDJSZkt6dloxV3Bab0hZZW9vSFZzLXNWQkZaMTNaQUtmWHF2NFVMZmtKUnlMQl95RjU3RWs2aml2alFlNVh3NUhYS1k?oc=5) · articobits.com
- 2020-04-27 [William Diggs Obituary (2020) - Florence, SC - The State - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQjFzaHZJNi05Vmg1SlBodXZQWnZfZ09HMW5waUJhdjhBTUtSYzUxMnBKLXFET3ZZSWM2ckt2ZWVMMEdOT2pmelZic2J6M01DTlZsVEFIclFMRWlhaXFnN2lmZkNIQ2pBSjM2Y0NOeDBYdEVtRHhDdDF0NTg5dEtmeHBhTVRZT2RHLS16Qg?oc=5) · legacy.com
- 2018-11-01 [Former Florence civil rights leader, now bedridden, still exercises his right to vote - WPDE](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMmZpM2xiWE1WTG8wMlVpalY3UWtwbWw3WFdmV2JUZnFmZlpRTm0yMHlmV0FqMWFuRFRYMEtfYnZJc2pQYk1fd2dEOUhQczExNkxkTGI0bUZ4MFl1eWxubEtiSkVHMDJmemRWcENVY2ZJcVFNcDgxYWxxWTU1TEJ6dm9iY1FYSGs4T1FhcWhTNHNFQlFqSElDblhZbnlhUWt0aFE5eWlSdVNCRGd2Y2paMg?oc=5) · WPDE
- 2021-10-09 [Linda Knox Obituary (2013) - Rock Hill, SC - The Herald - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQYmxnMkZ5cXpZcnVyekxGeGFhYUhvcUdNOUl5eHZLYjJXdUQ4dWx4YWlOSFNNdDF5SHRVQy1nemV1VXo1MmU3Xy1XZUtqMmgtSS05c1huRkJLZm51UHI3MHFGRFEyTmRsbGROa3YxWmUzU3lHcmRQTFM3M1I2MmlFT2xIZnh4b0h0SllMTXF3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19619 (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/35.json (key "19619", 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=19619
- 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