PackageTrendsPeer
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Dowell

Tulsa, OK · Charter 14858

NCUA · 3 branches

Q2 2023

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: Q2 2023, the quarter ended June 30, 2023, 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

Dowell

Tulsa, OK · Charter 14858

NCUA · 3 branches

Q2 2023

$42.4MAssets
$35.3MLoans
$36.3MShares
$6.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.68%, down 23 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.88% of loans (-24 bps YoY).
  • Capital: net worth / assets of 14.42%, up 30 bps from a year ago.
  • Funding: loans stand at 97.35% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.68%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.58%-8 bps YoY

Efficiency Ratio (YTD, annualized)

78.17%+714 bps YoY

Net Worth / Assets

14.42%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets1.05%0.99%0.72%0.91%1.07%0.90%0.71%0.68%-23 bps
Return on Equity8.00%7.43%5.31%6.47%7.48%6.37%5.02%4.74%-173 bps
Net Interest Margin2.43%2.44%2.52%2.66%2.68%2.58%2.40%2.58%-8 bps
Efficiency Ratio64.04%65.19%72.82%71.03%68.59%71.22%77.92%78.17%+714 bps
Growth
Asset Growth (YoY)5.08%4.29%0.62%-3.11%-1.57%0.27%3.24%3.62%+673 bps
Loan Growth (YoY)11.49%13.66%10.34%7.71%10.50%12.26%13.88%10.54%+283 bps
Share Growth (YoY)4.65%3.72%-0.46%-4.73%-2.95%-0.74%2.82%3.37%+810 bps
Asset Quality
Delinquent Loans / Loans1.09%0.80%1.32%1.12%1.01%1.25%1.12%0.88%-24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.48%0.54%0.57%0.51%0.43%0.38%0.00%0.00%-51 bps
Capital
Risk-Based Capital13.11%13.28%13.61%14.12%14.33%14.14%14.06%14.42%+30 bps
Net Worth / Assets13.11%13.28%13.61%14.12%14.33%14.14%14.06%14.42%+30 bps
Liquidity & Funding
Loans / Shares83.05%84.03%84.75%91.04%94.56%95.03%93.87%97.35%+632 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps