PackageTrendsPeer
Letter portraitLegal landscape

C S H

Norman, OK · Charter 14250

NCUA · 1 branch

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

C S H

Norman, OK · Charter 14250

NCUA · 1 branch

Q3 2021

$9.3MAssets
$4.5MLoans
$9.1MShares
$136KNet 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 -6.51%, down 435 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.00% of loans (-331 bps YoY).
  • Capital: net worth / assets of 1.46%, down 455 bps from a year ago.
  • Funding: loans stand at 49.56% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-6.51%-435 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+11 bps YoY

Efficiency Ratio (YTD, annualized)

176.89%+8,157 bps YoY

Net Worth / Assets

1.46%-455 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-2.16%-2.04%-10.44%-4.65%-6.51%-435 bps
Return on Equity-35.96%-38.75%-414%-154.36%-447%-41,149 bps
Net Interest Margin4.84%4.58%3.19%4.44%4.95%+11 bps
Efficiency Ratio95.32%93.49%251%152.15%176.89%+8,157 bps
Growth
Asset Growth (YoY)2.31%10.68%11.15%10.91%-3.36%-567 bps
Loan Growth (YoY)3.19%-10.11%-20.49%-22.22%-23.64%-2,683 bps
Share Growth (YoY)7.17%14.88%15.72%12.18%-2.12%-929 bps
Asset Quality
Delinquent Loans / Loans3.31%5.26%4.67%0.34%0.00%-331 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.53%4.96%4.68%4.74%4.79%+27 bps
Capital
Risk-Based Capital6.00%5.27%2.52%3.01%1.46%-455 bps
Net Worth / Assets6.00%5.27%2.52%3.01%1.46%-455 bps
Liquidity & Funding
Loans / Shares63.52%57.28%51.91%48.13%49.56%-1,396 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps