Oklahoma City, OK · Charter 60380
NCUA · 10 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.66% | 0.70% | 0.77% | 0.74% | 0.60% | 0.70% | 0.68% | -10 bps | |
| Return on Equity | 7.22% | 5.98% | 6.35% | 6.84% | 6.54% | 5.44% | 6.16% | 5.86% | -97 bps | |
| Net Interest Margin | 2.02% | 2.01% | 1.99% | 2.00% | 1.96% | 1.92% | 2.01% | 2.03% | +4 bps | |
| Efficiency Ratio | 70.00% | 73.25% | 73.57% | 72.35% | 73.00% | 75.87% | 73.32% | 72.53% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | 0.25% | 1.89% | 2.85% | 3.96% | 6.69% | 4.94% | 3.93% | +108 bps | |
| Loan Growth (YoY) | 9.13% | 8.33% | 6.13% | 7.18% | 8.43% | 9.99% | 8.62% | 6.38% | -80 bps | |
| Share Growth (YoY) | -0.85% | 1.70% | 0.30% | 1.90% | 0.26% | -0.35% | -0.43% | -1.78% | -369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.29% | 0.19% | 0.23% | 0.29% | 0.25% | 0.18% | 0.22% | -1 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 | 0.68% | 0.74% | 0.66% | 0.62% | 0.58% | 0.56% | 0.54% | 0.61% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.00% | 10.98% | 11.10% | 11.32% | 11.32% | 11.00% | 11.30% | 11.56% | +25 bps | |
| Net Worth / Assets | 11.00% | 10.98% | 11.10% | 11.32% | 11.32% | 11.00% | 11.30% | 11.56% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.49% | 70.91% | 74.93% | 76.97% | 77.31% | 78.27% | 81.74% | 83.37% | +640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |