El Reno, OK · Charter 62479
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Oklahoma City, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
17
Profitability
17
Liquidity
3
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
El Reno, OK · Charter 62479
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.57% | 0.57% | 0.40% | -2.73% | -3.93% | -3.53% | -10.31% | -1,070 bps | |
| Return on Equity | 4.36% | 4.36% | 4.23% | 2.86% | -21.59% | -35.61% | -31.65% | -118.12% | -12,098 bps | |
| Net Interest Margin | 2.92% | 3.17% | 3.38% | 3.55% | 3.69% | 3.75% | 3.98% | 3.86% | +32 bps | |
| Efficiency Ratio | 81.21% | 78.15% | 78.64% | 73.54% | 77.92% | 76.29% | 77.32% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.15% | -13.25% | -12.55% | -9.36% | -8.19% | -5.82% | -8.27% | -7.95% | +141 bps | |
| Loan Growth (YoY) | 54.14% | 103.84% | 76.52% | 76.39% | 39.11% | -3.27% | -12.44% | -21.74% | -9,813 bps | |
| Share Growth (YoY) | -11.91% | -15.19% | -14.51% | -11.50% | -8.22% | -4.41% | -6.68% | -5.79% | +572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 1.53% | 4.36% | 4.36% | 2.36% | 3.28% | 1.18% | 2.00% | -236 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.58% | 13.06% | 13.48% | 13.80% | 12.63% | 11.05% | 11.16% | 8.72% | -508 bps | |
| Net Worth / Assets | 12.58% | 13.06% | 13.48% | 13.80% | 12.63% | 11.05% | 11.16% | 8.72% | -508 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.07% | 56.66% | 58.59% | 60.49% | 60.73% | 57.34% | 54.97% | 50.24% | -1,024 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Reno, OK · Charter 62479 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=18)
NCUA · 1 branch
Q1 2025
Return on Assets
-10.31%
Rank 18 of 18
Net Interest Margin
3.86%
Rank 9 of 18
Equity / Assets
8.72%
Rank 16 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -10.31% | -0.01% | 0.34% | 0.72% | Beats 0% | 18 / 18 | ||
| Return on Equity | -118.12% | -0.24% | 3.87% | 4.75% | Beats 0% | 18 / 18 | ||
| Net Interest Margin | 3.86% | 3.42% | 3.86% | 4.40% | Beats 50% | 9 / 18 | ||
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.00% | 0.12% | 0.56% | 1.11% | Beats 17% | 16 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.72% | 8.86% | 12.74% | 15.77% | Beats 11% | 16 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.72% | 8.86% | 12.74% | 15.77% | Beats 11% | 16 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.24% | 67.08% | 76.24% | 81.43% | 11th pctl | 16 / 18 | ||
| Loans / Assets | 44.78% | 48.24% | 65.21% | 69.74% | 11th pctl | 16 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||