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Federal Aviation Admin Employees

Oklahoma City, OK · Charter 62568

NCUA · 10 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Federal Aviation Admin Employees

Oklahoma City, OK · Charter 62568

NCUA · 10 branches

Q3 2021

$842.4MAssets
$547.5MLoans
$768.5MShares
$63.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, up 54 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.61% of loans (+18 bps YoY).
  • Capital: net worth / assets of 7.58%, down 58 bps from a year ago.
  • Funding: loans stand at 71.24% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

0.74%+54 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+4 bps YoY

Efficiency Ratio (YTD, annualized)

78.62%-273 bps YoY

Net Worth / Assets

7.58%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.39%0.08%0.17%0.20%0.16%1.56%1.01%0.74%+54 bps
Return on Equity4.31%0.95%2.02%2.39%2.08%20.23%13.35%9.75%+736 bps
Net Interest Margin2.74%2.63%2.49%2.48%2.37%2.50%2.50%2.52%+4 bps
Efficiency Ratio83.52%77.55%79.11%81.35%83.42%66.77%73.50%78.62%-273 bps
Growth
Asset Growth (YoY)9.92%8.57%13.34%13.54%18.64%21.76%18.21%16.55%+301 bps
Loan Growth (YoY)16.09%18.93%19.35%26.10%23.93%22.03%14.65%4.23%-2,187 bps
Share Growth (YoY)9.59%9.11%14.56%13.47%18.98%22.39%16.10%18.20%+473 bps
Asset Quality
Delinquent Loans / Loans0.60%0.33%0.56%0.44%0.46%0.57%0.55%0.61%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.51%0.60%0.64%0.60%0.61%0.49%0.52%0.52%-8 bps
Capital
Risk-Based Capital9.00%8.73%8.23%8.17%7.73%7.70%7.54%7.58%-58 bps
Net Worth / Assets9.00%8.73%8.23%8.17%7.73%7.70%7.54%7.58%-58 bps
Liquidity & Funding
Loans / Shares75.60%76.52%75.77%80.79%78.75%76.29%74.82%71.24%-955 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps