First Baptist Church Of Darby Credit Union
First Baptist Church Of Darby Credit Union is headquartered in DARBY and is the 517st largest credit union in the state of Pennsylvania. It is also the 7,208th largest credit union in the nation. It was established in 1980 and as of December of 2011, it had grown to employees and 150 members. First Baptist Church Of Darby Credit Union has a 4-star health rating.
Data for Q4 2011
Institution Statistics
| FIRST BAPTIST CHURCH OF DARBY | | NCUA # | 23640 | | BankRate Report | View | | Year Chartered | 1980 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $79,000 | | Loans | $17,000 | | Deposits | $63,000 | | Equity Capital | $16,000 |
Historic Data - December 2010 | | Assets | $91,000 | | Equity Capital | $16,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.3% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $1,000 | | Non-Interest Income | $1,000 |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 First Baptist Church Of Darby Credit Union had $0 in non-current loans and owned real-estate with $16,000 in equity and loan loss allowances on hand to cover it. This gives First Baptist Church Of Darby Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, First Baptist Church Of Darby Credit Union has decreased its total deposits by $-12,000, resulting in -16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Baptist Church Of Darby Credit Union has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Baptist Church Of Darby Credit Union has $79,000 in assets with $16,000 in equity, resulting in a capitalization level of 20.25%, which is excellent. |
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