# FIRST AFRICAN BAPTIST CHURCH
SHARON HILL, PA · NCUA charter 23169 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/first-african-baptist-church-23169

Who the members are: federal charter, associational, organized 1978, low-income designated. 261 members of 1,300 potential (20.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $76,188 |
| Members | 261 (– YoY) |
| Full-time staff | 0 |
| Net worth | $1,599 |
| Net worth ratio | 2.1% (p0 of band) |
| ROA (annualized) | -1.82% (p4 of band) |
| Total delinquency | 3.43% (p85 of band) |
| Net charge-offs (annualized) | 0.00% (p21 of band) |
| Loans / shares | 23% (p7 of band) |
| Cash / assets | 74.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.71% (p1 of band) |
| Operating expense / assets | 4.29% (p74 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 | $286 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $1,076 |
| Loans granted, annualized | $10,400 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, capital below 7%, losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 | net worth falling | expense trap |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2013-02-22 [Henry P. Murphy, 84, bank accountant | Obituaries - phillytrib.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPeTBMcTdUeDJmdDhkVEp4S0xqY2NoUVIzSmdGdV84Wm5RVFZKdnpYN0xHMTc3Z1E4aUwtN3VQdXF5dEp6ZGV3UTFLVEJqckdzbGZWc1hqRTJOOHhTMmc0QkJUYTQ1S1FscEJDeHN6eDBmVFhKb2dGelNCR3NyUkRIY0FpNDVpZjF4U3Z2OUdrVndER3Y1U3VoeUhWYVJsbHhyUkdreDdtY1Y4VW1UMDBEWF92RGU0NXRLZnpqTHRR?oc=5) · phillytrib.com
- 2018-05-10 [View Malinda Sterling's Obituary and express your condolences - Legacy obituary](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQa3FJZEhPaGEzVG1wUGhrMk5jZUtMcUxkaWlQVXlQczZDOE5NelJkVmFzVHQ0WWJoRF9OUWVxZ1dsYjdBREdZc2Q2UWk4blJTY2l1QlI4Nlc0eE1oTFZBa3Y3Q1A5REJoeE5tc0wzZTEzQWJCak5CM1JRcmZGejFxeVNNRk1WUTRKRnRndUtGSXcwYVRtbjBNcXpZb1pLR01QeHpJbEJvaGM?oc=5) · Legacy obituary
- 2021-10-10 [Ada Prattis Obituary (2013) - Darby Township, PA - Delaware County Daily & Sunday Times - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQzJ3Vk05RlU1YlAtS2E4RmVJUXE1ekR6RVNNelJIMHBhbENWZzZVZUp2OEg4dlJvZEMzMVVaVXhPLXVtUHVRN2JOWG90ZGRycWtZdmNKZGpqX3l3TF9DWU5jTFlHZjNfMWlVQzhOZVFzWXVpclFBNm85VXBJTnBZeEkyVU9HNDhhYkVDRFVn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23169 (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/1.json (key "23169", 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=23169
- 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