Bethel Baptist Church East

Detroit, MI · Charter 62177

NCUA · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Detroit, MI · Charter 62177

NCUA · 1 branch

Q4 2021

$92KAssets

$0KLoans

$0KShares

$92KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-8.63%-893 bps YoY

Net Interest Margin (YTD, annualized)

8.22%+552 bps YoY

Efficiency Ratio (YTD, annualized)

205%+12,284 bps YoY

Net Worth / Assets

100.00%+8,889 bps YoY

Year to date, annualized, through each quarter.

Metric	Q4 2020	Q1 2021	Q2 2021	Q3 2021	Q4 2021	YoY Δ	Trend
Earnings
Return on Assets	0.30%	0.18%	-7.38%	-8.65%	-8.63%	-893 bps
Return on Equity	2.69%	1.38%	-7.38%	-8.65%	-8.63%	-1,132 bps
Net Interest Margin	2.70%	2.60%	15.69%	10.74%	8.22%	+552 bps
Efficiency Ratio	82.10%	93.16%	147.02%	180.45%	205%	+12,284 bps
Growth
Asset Growth (YoY)	12.55%	-2.24%	-88.22%	-89.40%	-89.77%	-10,233 bps
Loan Growth (YoY)	-33.53%	-57.44%	-100.00%	-100.00%	-100.00%	-6,647 bps
Share Growth (YoY)	14.34%	-2.26%	-100.00%	-100.00%	-100.00%	-11,434 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.78%	3.25%	n/a	n/a	n/a	n/a
Capital
Risk-Based Capital	11.11%	12.91%	100.00%	100.00%	100.00%	+8,889 bps
Net Worth / Assets	11.11%	12.91%	100.00%	100.00%	100.00%	+8,889 bps
Liquidity & Funding
Loans / Shares	14.04%	9.09%	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps