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El Reno R.I.L.

El Reno, OK · Charter 62479

NCUA · 1 branch

Q1 2025

$36.4MAssets
$16.3MLoans
$32.4MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -10.31%, down 1,070 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 2.00% of loans (-236 bps YoY).
  • Capital: net worth / assets of 8.72%, down 508 bps from a year ago.
  • Funding: loans stand at 50.24% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-10.31%-1,070 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+32 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

8.72%-508 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.40%-2.73%-3.93%-3.53%-10.31%-1,070 bps
Return on Equity2.86%-21.59%-35.61%-31.65%-118.12%-12,098 bps
Net Interest Margin3.55%3.69%3.75%3.98%3.86%+32 bps
Efficiency Ratio73.54%77.92%76.29%77.32%n/an/a
Growth
Asset Growth (YoY)-9.36%-8.19%-5.82%-8.27%-7.95%+141 bps
Loan Growth (YoY)76.39%39.11%-3.27%-12.44%-21.74%-9,813 bps
Share Growth (YoY)-11.50%-8.22%-4.41%-6.68%-5.79%+572 bps
Asset Quality
Delinquent Loans / Loans4.36%2.36%3.28%1.18%2.00%-236 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.80%12.63%11.05%11.16%8.72%-508 bps
Net Worth / Assets13.80%12.63%11.05%11.16%8.72%-508 bps
Liquidity & Funding
Loans / Shares60.49%60.73%57.34%54.97%50.24%-1,024 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps