Norman, OK · Charter 14250
NCUA · 1 branch
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 | -2.46% | 1.53% | -1.13% | -2.16% | -2.04% | -10.44% | -4.65% | -6.51% | -435 bps | |
| Return on Equity | -30.36% | 18.46% | -15.76% | -35.96% | -38.75% | -414% | -154.36% | -447% | -41,149 bps | |
| Net Interest Margin | 4.87% | 5.28% | 5.12% | 4.84% | 4.58% | 3.19% | 4.44% | 4.95% | +11 bps | |
| Efficiency Ratio | 88.14% | 87.77% | 89.85% | 95.32% | 93.49% | 251% | 152.15% | 176.89% | +8,157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.44% | 2.90% | -0.83% | 2.31% | 10.68% | 11.15% | 10.91% | -3.36% | -567 bps | |
| Loan Growth (YoY) | 56.34% | 58.62% | 15.26% | 3.19% | -10.11% | -20.49% | -22.22% | -23.64% | -2,683 bps | |
| Share Growth (YoY) | 3.87% | 5.04% | 2.25% | 7.17% | 14.88% | 15.72% | 12.18% | -2.12% | -929 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 3.60% | 4.75% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.61% | 2.79% | 3.82% | 4.53% | 4.96% | 4.68% | 4.74% | 4.79% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.09% | 8.30% | 7.19% | 6.00% | 5.27% | 2.52% | 3.01% | 1.46% | -455 bps | |
| Net Worth / Assets | 8.09% | 8.30% | 7.19% | 6.00% | 5.27% | 2.52% | 3.01% | 1.46% | -455 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.20% | 75.55% | 69.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |