MESSIAH BAPTIST CHURCH vs TERMINALS
Side-by-side comparison based on NCUA quarterly call report data.
MESSIAH BAPTIST CHURCH scores higher on overall financial health (health score: 53/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | MESSIAH BAPTIST CHURCH | TERMINALS |
|---|---|---|
| Health Score 0–100, higher is better | 53 | 51 |
| Total Assets | $890,084 | $924,960 |
| Members | 182 | 75 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 6.74% | 37.54% |
| Delinquency Rate Lower = fewer past-due loans | 2.95% | 2.31% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 52.40% | 142.06% |
| Member Growth Year-over-year membership change | 9.0% | 0.0% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | MESSIAH BAPTIST CHURCH | TERMINALS |
|---|---|---|
| Location | East Orange, NJ | CARTERET, NJ |
| Charter Type | Federal | Federal |
| Field of Membership | Community | Community |
| Peer Group | Under $2M | Under $2M |
| Charter Number | 21440 | 17969 |
What This Comparison Says About MESSIAH BAPTIST CHURCH vs TERMINALS
MESSIAH BAPTIST CHURCH (East Orange, NJ) and TERMINALS (CARTERET, NJ) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. MESSIAH BAPTIST CHURCH holds $890,084 in assets across 182 members, while TERMINALS holds $924,960 across 75 members. On the composite health score, MESSIAH BAPTIST CHURCH comes out ahead at 53/100 versus 51/100 for its counterpart — a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 21440 and 17969 indicate entirely separate NCUA supervisory records; they operate under peer groups Under $2M and Under $2M respectively.
Capital adequacy is the first check: MESSIAH BAPTIST CHURCH's net worth ratio of 6.74% is measured against the NCUA's 7.0% "well capitalized" bar, while TERMINALS posts 37.54%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 2.95% for MESSIAH BAPTIST CHURCH and 2.31% for TERMINALS; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 52.40% and 142.06% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: MESSIAH BAPTIST CHURCH is currently defined as "Community" and TERMINALS as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." MESSIAH BAPTIST CHURCH shows 6.74% vs TERMINALS at 37.54%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. MESSIAH BAPTIST CHURCH: 2.95% — TERMINALS: 2.31%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.