Oklahoma City, OK · Charter 62568
NCUA · 10 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.08% | 0.17% | 0.20% | 0.16% | 1.56% | 1.01% | 0.74% | +54 bps | |
| Return on Equity | 4.31% | 0.95% | 2.02% | 2.39% | 2.08% | 20.23% | 13.35% | 9.75% | +736 bps | |
| Net Interest Margin | 2.74% | 2.63% | 2.49% | 2.48% | 2.37% | 2.50% | 2.50% | 2.52% | +4 bps | |
| Efficiency Ratio | 83.52% | 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 / Loans | 0.60% | 0.33% | 0.56% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.60% | 0.64% | 0.60% | 0.61% | 0.49% | 0.52% | 0.52% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.00% | 8.73% | 8.23% | 8.17% | 7.73% | 7.70% | 7.54% | 7.58% | -58 bps | |
| Net Worth / Assets | 9.00% | 8.73% | 8.23% | 8.17% | 7.73% | 7.70% | 7.54% | 7.58% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.60% | 76.52% | 75.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |