Tulsa, OK · Charter 14858
NCUA · 3 branches
Q2 2023
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.99% | 0.72% | 0.91% | 1.07% | 0.90% | 0.71% | 0.68% | -23 bps | |
| Return on Equity | 8.00% | 7.43% | 5.31% | 6.47% | 7.48% | 6.37% | 5.02% | 4.74% | -173 bps | |
| Net Interest Margin | 2.43% | 2.44% | 2.52% | 2.66% | 2.68% | 2.58% | 2.40% | 2.58% | -8 bps | |
| Efficiency Ratio | 64.04% | 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 / Loans | 1.09% | 0.80% | 1.32% | 1.12% | 1.01% | 1.25% | 1.12% | 0.88% | -24 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 | 0.48% | 0.54% | 0.57% | 0.51% | 0.43% | 0.38% | 0.00% | 0.00% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.11% | 13.28% | 13.61% | 14.12% | 14.33% | 14.14% | 14.06% | 14.42% | +30 bps | |
| Net Worth / Assets | 13.11% | 13.28% | 13.61% | 14.12% | 14.33% | 14.14% | 14.06% | 14.42% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.05% | 84.03% | 84.75% | 91.04% | 94.56% | 95.03% | 93.87% | 97.35% | +632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |