# FLORIDA BAPTIST
JACKSONVILLE, FL · NCUA charter 68028 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/florida-baptist-68028

Who the members are: state charter, organized 1986. 2,019 members of 500,000 potential (0.4% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 126.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $24.5M |
| Members | 2,019 (– YoY) |
| Full-time staff | 6 |
| Net worth | $2.1M |
| Net worth ratio | 8.4% (p14 of band) |
| ROA (annualized) | -0.57% (p13 of band) |
| Total delinquency | 0.15% (p19 of band) |
| Net charge-offs (annualized) | -0.17% (p9 of band) |
| Loans / shares | 22% (p7 of band) |
| Cash / assets | 15.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.83% (p10 of band) |
| Operating expense / assets | 3.29% (p48 of band) |
| Vehicles % of loans | 27% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 21% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 19% |
| Average share balance | $6,524 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 126% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $1,914 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |

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

- 2021-10-05 [James Lipham - The Florida Times-Union](https://news.google.com/rss/articles/CBMiXEFVX3lxTFA1eVZ5aV8ydXBJeDBlTDJvV1QzNkNibWF4bVlnZ0NCajllUmR2ZExBbDFiVTZrN3c2WkFNeHhzQ0wxSjVManhIbVdTeXN3TS14MDl6WmR2NUlWbTUy?oc=5) · The Florida Times-Union
- 2026-02-23 [BLACKSONVILLE 100 | The Bethel Church - JaxToday](https://news.google.com/rss/articles/CBMid0FVX3lxTFByYkIxVHBPaWJ4YWl2RVd5Y0xpc2F1cUFSNkxlVTdqaTVzTWNYM2FoSlZ3QWZSejVLaFZ4Y19EQTJ3ZzBiMEVnTVBQekJfS0FDSXUxQkxHUTFrdlVkRWtwRFk3ZDFhdkJTYWVrcTBadENCdTVybFgw?oc=5) · JaxToday
- 2021-08-23 [8 major Urban Core projects now underway - thejaxsonmag.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOcVBDb2x0X2lPajBidVlQWTRJTG5JT3FUcG4yaVVkVk5aYTFjcEdOUmNndllPR3lOaHg3ODE3Tk1ZVkxEb0pBaHN4ODVoVmtTQkhubVJJR2xESVIwZUh1bkI0SVNqWTZDQkVCY1R0SDE1SFZJbFhOOWRjVEpxVXV3aVBjT0M?oc=5) · thejaxsonmag.com
- 2026-02-12 [Plant City Gears Up for 23rd Annual Black Heritage Celebration: A Century of Black History Commemoration - Plant City Observer](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPMHQzMU43ckVkb3hCUHpHLU5yektkUHVteDZxbjB0WGxZSUtxQ0o5RHI4NWVSNTQ5dUd3NktfMmE5aWgzcTJWRU9OOTV2VHBHc0xKX2dRSHBRODFPN0kwZXNWUHhidGpOdGdHRTJMNU95aC01ejhSNk1KN25RaGN2bm1XU2VRb00yUEw1NU1DYzRlZUpORDhDMDdLOUhCdHdDY1Vrb3N2SDNnV00xeG5XbU5tdDhoWmFGX3NJZG1UWGdPMklwZzVqTHVGckd5ODQySWFxNw?oc=5) · Plant City Observer
- 2020-08-06 [Family grieves for pilot of fatal commuter crash, celebrates his spiritual legacy - Baptist Press](https://news.google.com/rss/articles/CBMizAFBVV95cUxQZS00VHVHaHN3bmxNNHNNamR4UlhpTFVxWldySmM0QUtSVmtld0ljbjBVUFZrOHhBd285ZThYYU9hQmRCbUF0NGhiQWh1UmctZWhIaDVXenhiQ1NNSlFvd3BlZ0hObnRhR3BMVHRtNUo1aG1aMGpoRGhzdklmTUlfQVlzZmI2cW5Fb29ER19xeHJwQmxZbkk2SUF3OU56ZGlMUG5ueGUwUnFna0pCNWYwTHRJOHlHQzJiWHNpNDExWWd5SVk2dzN6eThYMGc?oc=5) · Baptist Press
- 2016-06-27 [Artifacts sale could solve Titanic bankruptcy case - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZmowSFo2cFprSGc1SEswR0Rtd0JyQnQ0OGJlbjdnbFFnYVZ6VjFvcUtSUWpZQTVFdVMwYVg4Nk4tTVl0bWZSQ24xYW1wQmJFYmFZN09xcVNxN3FZd3gxSnhuZzE4ZzFkSkJnUFVSTklseml1WG93ZGlrRUhrQnB0S1FmYnRsVjNFR0txQTdoaXIzc3N1VFFQbXVWNlFRQmtW?oc=5) · Jacksonville Daily Record
- 2021-12-06 [Thomas D. Lee Jr., 1923-2009: He ran Lee & Cates for nearly six decades - The Florida Times-Union](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNeUxHSDdWVk54YTlzeHdvSWFOQ09IWjAzeURYMHk1WktTU0lCYUNtemVPeHItZG5jdVM2NjVUS1lRVE0taUV4UEo4eEV0ZEFUWXpLdTIzeGxoYlczbkk1eUc2dHlTMXJ4WHB4ak5yNjBWOVN2ckZYZTR4YlhHaE9ReV9hbGN4UEFkelk1RjhYdzROeHl0ckVteU9BdlU5REtReTF5TzYyU2thbkpjZVJkaUZWR09vdDByQ1RnZEhkNkJjWHdER3BXRg?oc=5) · The Florida Times-Union
- 2022-11-18 [Urban Construction Update - November 2022 - thejaxsonmag.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPaW1zMXNreDBjM19XeUVDN0tMLWt0ZHdSQks4SmowaVIyZlZFYWRwdDZXQXFJNHdsN0VsN0FLR2tnV2RiSnIwZG8yUGNBRTN1RHVqVXRSaHpNYktQajJJbmNpbndLUFNFdHN0QUpkdzQzZHhsOW9maTNGeFFUbnFZWDhXUmJuSl9WZ2p5Rg?oc=5) · thejaxsonmag.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68028 (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/60.json (key "68028", 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=68028
- 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