Bethany, OK · Charter 63250
NCUA · 4 branches
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.24% | 0.58% | 0.78% | 0.66% | +40 bps | |
| Return on Equity | 3.44% | 3.20% | 8.17% | 10.75% | 9.16% | +573 bps | |
| Net Interest Margin | 2.85% | 2.80% | 2.59% | 2.55% | 2.54% | -31 bps | |
| Efficiency Ratio | 85.24% | 86.74% | 89.39% | 83.61% | 84.47% | -77 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.71% | 16.99% | 21.53% | 16.53% | 14.05% | -266 bps | |
| Loan Growth (YoY) | 22.95% | 30.03% | 30.24% | 20.57% | 21.33% | -162 bps | |
| Share Growth (YoY) | 17.69% | 18.25% | 23.09% | 17.71% | 14.78% | -292 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.53% | 0.42% | 0.41% | 0.24% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.67% | 0.55% | 0.45% | 0.43% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.60% | 7.50% | 7.15% | 7.23% | 7.21% | -40 bps | |
| Net Worth / Assets | 7.60% | 7.50% | 7.15% | 7.23% | 7.21% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.36% | 86.89% | 81.30% | 82.68% | 84.95% | +459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |