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 | |