FIRST BAPTIST CHURCH (STRATFORD)
Charter #21614 · Stratford, CT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.88% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 80.58% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 24th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 51st — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST BAPTIST CHURCH (STRATFORD) | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 340,384 | 6th pct | 31th pct |
| Members | 214 | 16th pct | 51th pct |
| Net worth ratio | 7.88% | 6th pct | 5th pct |
| Return on average assets | 1.27% | 79th pct | 66th pct |
| Net interest margin | 3.01% | 21th pct | 38th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 16.27% | 8th pct | 41th pct |
| Delinquency 60+ days | 80.58% | 100th pct | 97th pct |
| Net charge-off ratio | 0.00% | 22th pct | 24th pct |
| Loan growth YoY | -17.90% | 9th pct | 29th pct |
| Share growth YoY | -1.74% | 35th pct | 46th pct |
| Efficiency ratio | 59.09% | 15th pct | 30th pct |
structural peer set hash: ef06384d8279f7ae4aa417a5120f00a5… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST BAPTIST CHURCH (STRATFORD)
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.