Norman, OK · Charter 14412
NCUA · 1 branch
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 0.77% | 0.78% | 1.61% | 0.01% | -0.07% | 0.21% | 0.51% | -110 bps | |
| Return on Equity | 12.37% | 5.51% | 5.34% | 10.77% | 0.03% | -0.46% | 1.11% | 2.01% | -875 bps | |
| Net Interest Margin | 3.43% | 3.42% | 3.49% | 3.11% | 3.05% | 3.16% | 3.65% | 4.39% | +128 bps | |
| Efficiency Ratio | 70.17% | 68.23% | 68.09% | 88.18% | 82.97% | 82.27% | 78.55% | 88.65% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | 3.68% | -1.91% | -3.23% | -6.53% | -10.30% | -21.31% | -41.32% | -3,809 bps | |
| Loan Growth (YoY) | -16.39% | -14.79% | -17.11% | -23.64% | -19.98% | -22.00% | -24.66% | -14.83% | +881 bps | |
| Share Growth (YoY) | -1.47% | 3.22% | -3.06% | -4.38% | -7.44% | -12.12% | -25.33% | -48.53% | -4,415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.85% | 1.14% | 1.07% | 2.35% | 2.45% | 4.51% | 4.10% | +303 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 | 3.13% | 4.70% | 4.39% | 3.25% | 4.54% | 4.57% | 4.90% | 5.67% | +243 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.23% | 13.90% | 14.65% | 14.93% | 15.09% | 15.64% | 18.83% | 25.16% | +1,023 bps | |
| Net Worth / Assets | 14.23% | 13.90% | 14.65% | 14.93% | 15.09% | 15.64% | 18.83% | 25.16% | +1,023 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.41% | 42.19% | 41.76% | 36.76% | 37.53% | 37.44% | 42.13% | 60.82% | +2,406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |