PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Big Bethel A.M.E. Church

Atlanta, GA · Charter 24546

NCUA · 1 branch

Q4 2024

$313KAssets
$7KLoans
$251KShares
$62KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.66%, up 91 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.92%, up 379 bps from a year ago.
  • Funding: loans stand at 2.96% of shares as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

2.66%+91 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+57 bps YoY

Efficiency Ratio (YTD, annualized)

24.64%-653 bps YoY

Net Worth / Assets

19.92%+379 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets1.76%2.07%2.01%2.67%2.66%+91 bps
Return on Equity10.89%12.69%11.82%13.84%13.37%+247 bps
Net Interest Margin2.33%2.74%2.71%2.73%2.90%+57 bps
Efficiency Ratio31.17%25.38%26.48%25.19%24.64%-653 bps
Growth
Asset Growth (YoY)-2.76%-4.73%-4.89%-6.77%-6.54%-379 bps
Loan Growth (YoY)-29.07%-35.14%-59.92%12.71%-0.04%+2,903 bps
Share Growth (YoY)-5.12%-7.73%-8.09%-10.96%-10.78%-567 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans30.85%40.83%53.36%23.59%30.86%+1 bps
Capital
Risk-Based Capital16.13%16.32%17.00%19.28%19.92%+379 bps
Net Worth / Assets16.13%16.32%17.00%19.28%19.92%+379 bps
Liquidity & Funding
Loans / Shares2.64%1.96%1.53%3.85%2.96%+32 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps