# FIRST BAPTIST CHURCH
East Elmhurst, NY · NCUA charter 22226 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/first-baptist-church-22226

Who the members are: federal charter, associational, organized 1975, low-income designated, minority depository institution. 3 members of 3 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**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 | $7,958 |
| Members | 3 (-97.5% YoY) |
| Full-time staff | 0 |
| Net worth | $7,365 |
| Net worth ratio | 92.5% (p100 of band) |
| ROA (annualized) | 0.00% (p20 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 76.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.00% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $198 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising | losing money |
| 2017-06 | 3 | losing money, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2017-09 | 1 |  | net worth falling, charge-offs p90 |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 1 |  | losing money |
| 2018-06 | 2 | losing money |  |
| 2018-09 | 2 | net worth falling | losing money |
| 2018-12 | 2 | losing money | members leaving |
| 2019-03 | 2 | members leaving, loan book shrinking | net worth falling, losing money |
| 2019-06 | 1 | losing money | members leaving, loan book shrinking |
| 2019-09 | 2 | assets shrinking, loan book shrinking | losing money |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling, margin squeeze | assets shrinking, loan book shrinking |
| 2020-06 | 4 | losing money, members leaving |  |
| 2020-09 | 4 | loan book shrinking | net worth falling |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 3 | assets shrinking | margin squeeze |
| 2021-06 | 3 | net worth falling | assets shrinking |
| 2021-09 | 3 | margin squeeze | net worth falling |
| 2021-12 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2022-03 | 6 | net worth falling | margin squeeze |
| 2022-06 | 7 | margin squeeze, assets shrinking | net worth falling |
| 2022-09 | 4 |  | delinquency 2x band, delinquency rising, margin squeeze |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 5 | expense trap |  |
| 2023-09 | 5 | net worth falling | loan book shrinking |
| 2023-12 | 3 | margin squeeze | losing money, expense trap, net worth falling |

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

- 2026-07-01 [‘Under The Big Tent’ returns - The Islip Bulletin](https://news.google.com/rss/articles/CBMie0FVX3lxTE00QURjVUlKRjlXaWwtYURCMWlXdnVScnlhaGl6WnBaejFSLU9vRjZqaElEellZWGUtSHlkTGVKUUpsWUlaSExKUmlvaUVtVnoxZkVXYnVUb3dXa2ZiVmV4amlGdHVqV1NYMXJzV2pDNFYtMGFBdWY5RVMxYw?oc=5) · The Islip Bulletin
- 2026-07-26 [View Calvin Holland's Obituary and express your condolences - Legacy obituary](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdktZdnJXZGJiZFBUQUhDM3h5Y25kU2dQc0FGbzB4Z2xqRS1MZkhPaWZEcHZZN18yRktrbnNLb3ZqcWhfcjRVQUxXQ1lwSVo0Ul9JejdwUGpITFFhNWxKLTkzZVBRREhDMUtNSjVJcDhmRzM4ckhEUzAyQ1FxSlI5eERSVG5KQWpCU3hSTGl2OC11eU9kWXA1MVFuWDRLcXRhRTJrd25R?oc=5) · Legacy obituary
- 2021-10-05 [William Holmes Borders - New Georgia Encyclopedia](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNm5PMUlIWW1taXNCRHgzb01KLUlqXzg4R0NuUXBhM0dVN1VUOXZnNS1VU0xaU1JfZE1MQnpEYVRTb1hzdXlIcElMdHAtUUZBeHpIejZVTjdkWHAyc2JQajFyRkMwRzdMS2V3YXE3N3lFd2lBZEJWN24tLUtNSmlISTM2UkNVRExtd1NpbVFNbnY1UG5qTVE?oc=5) · New Georgia Encyclopedia
- 2023-07-27 [Review board OKs plans for EverBank tower signs, First Baptist playground Downtown - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMiygFBVV95cUxOUnduazRmSGhNWURWM2p4TW9hNmE3YmoyREE1VXpnNzlYN0dkOUVla0g4dTdZQmpNZjFCeW5ybjlVdE1jQ1luQWVjb1pkejc3X0NDUjYxa1lma1ZEekJDMnZRaUZETW56eFIxalljanljc0hDeHYtSmN5cHB2RHNua2NiS05SRUdNMnJmTlVSSnZmS01VZlFlMF9yb2gzX0NER1lBQzBpRjRXN1gtb0RadEJTcFgteFFkajdEVno4czA5MHRCSXo1STdn?oc=5) · Jacksonville Daily Record
- 2022-06-12 [African American Historic Sites Initiative - City of Portland, Oregon (.gov)](https://news.google.com/rss/articles/CBMioAFBVV95cUxNLVBDY3Y5ZXpkNU5YNnBIZU9qclNONFFqSkhUUG8yOXBmZzJwTjdGOFYtOUE5NmVEZi1Ed0tPOHpDLXF1Y1ljQVRUMElzRlZRS05weVNjQkUyNC1tUnVVUXBNeEN4bkx1WFN6bXlPbUVOX2hud3BpODFiaDFXX1JSc0VJMWtaSWxVRWNtd0dFcGd0TzNzdno2ZHJvX0VUQzg2?oc=5) · City of Portland, Oregon (.gov)
- 2024-06-09 [William Hinckley Obituary - Saratoga Springs, NY (1926-2018) - saratogian.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZ1dzNnFiTkxZaWlCU3VjTGUxT0t1Rjc0X0JWbkRmZl9OQV9XN0FNb1FpUURXczlzdlhnbVM4YXJiREJ6TG5wakFqaUxBWGo1Zzk3U2JLSWs5dWRzMlgwRXJMTUhnWi1Mbkl3NHVMTEM0clVJalpaMllUd1R5dElENTFFaEVmaVdF?oc=5) · saratogian.com
- 2019-11-14 [Donald Ray Higginbotham Obituary November 14, 2019 - Wade Funeral Home & Crematory](https://news.google.com/rss/articles/CBMifEFVX3lxTE9HZU9NVnlWZHp6NXhzSDJTajdQRVhWUV9JZTJPSkVObUZaejVtaEFlWGdKeXd4d1g3VTR6MklsUTBCYktialFaX2hpYmI2OXNHQ0s5ZlpDcWM4eVFKbUpaOGlXYjA5ZVJrdl9kTVNiZXNHMWpodW1qM2tNbGw?oc=5) · Wade Funeral Home &amp; Crematory
- 2014-05-30 [Walter Brandemuehl Obituary May 30, 2014 - floydmortuary.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1uN3pHbGZDMUhjaEVwYVF1UVB0S1BBRVIwZDc2TE94ZXYtTFhSbEFJM0g3czFUQ1I3Y0dFcktoNU94cHozcTJsSDJYX1F0TFR0LWRVMlBiVFViQzhnd002dWJTNXJUVEs5cTdR?oc=5) · floydmortuary.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22226 (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/18.json (key "22226", 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=22226
- 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