Norman, OK · Charter 14250
NCUA · 1 branch
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.84% | 4.58% | 3.19% | 4.44% | 4.95% | +11 bps | |
| Efficiency Ratio | 95.32% | 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 / Loans | 3.31% | 5.26% | 4.67% | 0.34% | 0.00% | -331 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.53% | 4.96% | 4.68% | 4.74% | 4.79% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.00% | 5.27% | 2.52% | 3.01% | 1.46% | -455 bps | |
| Net Worth / Assets | 6.00% | 5.27% | 2.52% | 3.01% | 1.46% | -455 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.52% | 57.28% | 51.91% | 48.13% | 49.56% | -1,396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |