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Bethany Baptist Church

Cleveland, OH · Charter 65930

Q3 2003

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 2003, the quarter ended September 30, 2003, 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

Bethany Baptist Church

Cleveland, OH · Charter 65930

Q3 2003

$373KAssets
$48KLoans
$290KShares
$81KNet 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 -0.15%, down 126 bps year over year; NIM at 1.36%.
  • Asset quality: problem loans at 38.87% of loans (+2,061 bps YoY).
  • Capital: net worth / assets of 21.67%, down 327 bps from a year ago.
  • Funding: loans stand at 16.47% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-126 bps YoY

Net Interest Margin (YTD, annualized)

1.36%-86 bps YoY

Efficiency Ratio (YTD, annualized)

101.73%+4,129 bps YoY

Net Worth / Assets

21.67%-327 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.11%-0.09%0.00%0.34%-0.15%-126 bps
Return on Equity4.45%-0.46%0.00%1.64%-0.67%-513 bps
Net Interest Margin2.22%1.45%1.85%1.74%1.36%-86 bps
Efficiency Ratio60.44%105.23%100.00%63.68%101.73%+4,129 bps
Growth
Asset Growth (YoY)-2.34%11.32%-24.91%0.87%8.73%+1,107 bps
Loan Growth (YoY)-46.26%-52.34%-29.87%-36.66%-16.79%+2,946 bps
Share Growth (YoY)-3.06%18.85%-15.50%6.64%12.89%+1,595 bps
Asset Quality
Delinquent Loans / Loans18.26%38.94%21.60%25.36%38.87%+2,061 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%4.47%0.00%8.94%2.52%+153 bps
Capital
Risk-Based Capital24.94%20.39%14.79%20.47%21.67%-327 bps
Net Worth / Assets24.94%20.39%14.79%20.47%21.67%-327 bps
Liquidity & Funding
Loans / Shares22.35%16.17%21.74%13.27%16.47%-588 bps
Liquid Assets / Assets80.23%85.62%73.38%87.68%85.03%+480 bps