Oklahoma City, OK · Charter 62568
NCUA · 10 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oklahoma City, OK · Charter 62568
NCUA · 10 branches
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.16% | 1.56% | 1.01% | 0.74% | +54 bps | |
| Return on Equity | 2.39% | 2.08% | 20.23% | 13.35% | 9.75% | +736 bps | |
| Net Interest Margin | 2.48% | 2.37% | 2.50% | 2.50% | 2.52% | +4 bps | |
| Efficiency Ratio | 81.35% | 83.42% | 66.77% | 73.50% | 78.62% | -273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.54% | 18.64% | 21.76% | 18.21% | 16.55% | +301 bps | |
| Loan Growth (YoY) | 26.10% | 23.93% | 22.03% | 14.65% | 4.23% | -2,187 bps | |
| Share Growth (YoY) | 13.47% | 18.98% | 22.39% | 16.10% | 18.20% | +473 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.46% | 0.57% | 0.55% | 0.61% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.61% | 0.49% | 0.52% | 0.52% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.17% | 7.73% | 7.70% | 7.54% | 7.58% | -58 bps | |
| Net Worth / Assets | 8.17% | 7.73% | 7.70% | 7.54% | 7.58% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.79% | 78.75% | 76.29% | 74.82% | 71.24% | -955 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |