Tulsa, OK · Charter 60553
NCUA · 16 branches
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.17% | 0.86% | 0.78% | 0.84% | 0.83% | 0.78% | 0.72% | -6 bps | |
| Return on Equity | 9.96% | 9.26% | 6.83% | 6.22% | 6.67% | 6.54% | 6.13% | 5.72% | -50 bps | |
| Net Interest Margin | 3.17% | 3.10% | 3.07% | 3.02% | 2.98% | 2.96% | 2.90% | 2.88% | -14 bps | |
| Efficiency Ratio | 57.08% | 58.17% | 59.42% | 62.03% | 60.99% | 61.09% | 64.34% | 65.48% | +345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | 6.96% | 5.61% | 7.08% | 8.88% | 6.63% | 6.25% | 6.84% | -24 bps | |
| Loan Growth (YoY) | 1.10% | 3.17% | 4.21% | 4.43% | 4.91% | 4.35% | 3.78% | 4.00% | -43 bps | |
| Share Growth (YoY) | 5.85% | 6.32% | 5.44% | 6.40% | 8.10% | 6.82% | 7.10% | 5.44% | -97 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.17% | 0.92% | 0.88% | 0.81% | 1.02% | 0.65% | 0.66% | -22 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 | 1.08% | 1.04% | 1.05% | 1.08% | 1.09% | 1.13% | 1.11% | 1.10% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.70% | 12.61% | 12.60% | 12.53% | 12.52% | 12.66% | 12.67% | 12.51% | -1 bps | |
| Net Worth / Assets | 12.70% | 12.61% | 12.60% | 12.53% | 12.52% | 12.66% | 12.67% | 12.51% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.38% | 92.79% | 91.30% | 91.68% | 91.59% | 90.65% | 88.48% | 90.43% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |