Bethany, OK · Charter 63250
NCUA · 4 branches
Q3 2021
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.18% | 0.27% | 0.26% | 0.24% | 0.58% | 0.78% | 0.66% | +40 bps | |
| Return on Equity | 4.43% | 2.13% | 3.47% | 3.44% | 3.20% | 8.17% | 10.75% | 9.16% | +573 bps | |
| Net Interest Margin | 3.21% | 3.19% | 2.97% | 2.85% | 2.80% | 2.59% | 2.55% | 2.54% | -31 bps | |
| Efficiency Ratio | 81.91% | 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 / Loans | 1.03% | 0.82% | 0.73% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.87% | 0.84% | 0.78% | 0.67% | 0.55% | 0.45% | 0.43% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.49% | 8.29% | 7.85% | 7.60% | 7.50% | 7.15% | 7.23% | 7.21% | -40 bps | |
| Net Worth / Assets | 8.49% | 8.29% | 7.85% | 7.60% | 7.50% | 7.15% | 7.23% | 7.21% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.01% | 76.84% | 80.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |