Tulsa, OK · Charter 21489
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.36% | 0.21% | 0.44% | 0.38% | -0.30% | 0.10% | 0.14% | -30 bps | |
| Return on Equity | 5.31% | 2.39% | 1.40% | 2.82% | 2.38% | -1.93% | 0.71% | 0.98% | -184 bps | |
| Net Interest Margin | 3.72% | 3.60% | 3.66% | 3.74% | 3.82% | 3.51% | 3.19% | 3.00% | -74 bps | |
| Efficiency Ratio | 88.12% | 90.55% | 94.60% | 90.43% | 90.36% | 96.09% | 85.93% | 89.26% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 2.07% | 6.11% | 6.45% | -0.92% | -1.12% | 5.22% | 11.97% | +552 bps | |
| Loan Growth (YoY) | -7.22% | -4.62% | -5.42% | -4.59% | -5.05% | -8.79% | -8.30% | -8.74% | -415 bps | |
| Share Growth (YoY) | 0.27% | 1.64% | 7.09% | 5.81% | -0.33% | -1.63% | 5.95% | 15.20% | +939 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.44% | 0.34% | 0.62% | 1.37% | 0.72% | 0.34% | 0.18% | -44 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 | 0.77% | 0.69% | 0.70% | 0.67% | 0.72% | 0.71% | 0.78% | 0.84% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.50% | 15.12% | 15.14% | 15.48% | 16.02% | 15.49% | 14.69% | 13.96% | -151 bps | |
| Net Worth / Assets | 15.50% | 15.12% | 15.14% | 15.48% | 16.02% | 15.49% | 14.69% | 13.96% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.49% | 81.78% | 80.38% | 80.43% | 80.49% | 75.83% | 69.57% | 63.72% | -1,672 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |