PackageTrendsPeer
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Federal Employees

Bethany, OK · Charter 63250

NCUA · 4 branches

Q3 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: Q3 2021, the quarter ended September 30, 2021, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Federal Employees

Bethany, OK · Charter 63250

NCUA · 4 branches

Q3 2021

$371.0MAssets
$289.8MLoans
$341.1MShares
$26.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, up 40 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.24% of loans (-35 bps YoY).
  • Capital: net worth / assets of 7.21%, down 40 bps from a year ago.
  • Funding: loans stand at 84.95% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

0.66%+40 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-31 bps YoY

Efficiency Ratio (YTD, annualized)

84.47%-77 bps YoY

Net Worth / Assets

7.21%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.38%0.18%0.27%0.26%0.24%0.58%0.78%0.66%+40 bps
Return on Equity4.43%2.13%3.47%3.44%3.20%8.17%10.75%9.16%+573 bps
Net Interest Margin3.21%3.19%2.97%2.85%2.80%2.59%2.55%2.54%-31 bps
Efficiency Ratio81.91%87.62%83.43%85.24%86.74%89.39%83.61%84.47%-77 bps
Growth
Asset Growth (YoY)7.12%6.44%12.61%16.71%16.99%21.53%16.53%14.05%-266 bps
Loan Growth (YoY)13.13%15.77%24.70%22.95%30.03%30.24%20.57%21.33%-162 bps
Share Growth (YoY)6.71%6.28%13.22%17.69%18.25%23.09%17.71%14.78%-292 bps
Asset Quality
Delinquent Loans / Loans1.03%0.82%0.73%0.59%0.53%0.42%0.41%0.24%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%0.87%0.84%0.78%0.67%0.55%0.45%0.43%-35 bps
Capital
Risk-Based Capital8.49%8.29%7.85%7.60%7.50%7.15%7.23%7.21%-40 bps
Net Worth / Assets8.49%8.29%7.85%7.60%7.50%7.15%7.23%7.21%-40 bps
Liquidity & Funding
Loans / Shares79.01%76.84%80.72%80.36%86.89%81.30%82.68%84.95%+459 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps