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Oklahoma Employees

Oklahoma City, OK · Charter 65032

NCUA · 7 branches

Q3 2023

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 2023, the quarter ended September 30, 2023, 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

Oklahoma Employees

Oklahoma City, OK · Charter 65032

NCUA · 7 branches

Q3 2023

$797.9MAssets
$572.7MLoans
$631.8MShares
$101.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, down 9 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.14% of loans (+6 bps YoY).
  • Capital: net worth / assets of 12.72%, up 21 bps from a year ago.
  • Funding: loans stand at 90.64% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

0.88%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+30 bps YoY

Efficiency Ratio (YTD, annualized)

73.38%+196 bps YoY

Net Worth / Assets

12.72%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets1.07%0.97%1.00%0.97%0.89%0.93%0.97%0.88%-9 bps
Return on Equity8.65%7.79%8.03%7.76%7.22%7.54%7.67%6.93%-83 bps
Net Interest Margin2.47%2.68%2.70%2.75%2.75%3.02%3.07%3.05%+30 bps
Efficiency Ratio70.24%72.46%70.73%71.42%71.76%72.06%71.56%73.38%+196 bps
Growth
Asset Growth (YoY)12.62%8.49%8.76%7.22%8.20%8.40%5.49%5.44%-178 bps
Loan Growth (YoY)14.33%12.90%12.79%13.32%11.19%8.65%6.70%5.41%-791 bps
Share Growth (YoY)13.61%9.96%8.87%11.19%10.28%7.75%5.83%1.76%-943 bps
Asset Quality
Delinquent Loans / Loans0.06%0.06%0.13%0.08%0.10%0.11%0.13%0.14%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.01%0.99%1.00%0.99%1.02%1.03%1.02%0.00%-99 bps
Capital
Risk-Based Capital12.36%12.46%12.45%12.52%12.32%12.38%12.69%12.72%+21 bps
Net Worth / Assets12.36%12.46%12.45%12.52%12.32%12.38%12.69%12.72%+21 bps
Liquidity & Funding
Loans / Shares86.78%86.74%88.63%87.50%87.50%87.46%89.36%90.64%+314 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps