Oklahoma City, OK · Charter 65032
NCUA · 7 branches
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.97% | 1.00% | 0.97% | 0.89% | 0.93% | 0.97% | 0.88% | -9 bps | |
| Return on Equity | 8.65% | 7.79% | 8.03% | 7.76% | 7.22% | 7.54% | 7.67% | 6.93% | -83 bps | |
| Net Interest Margin | 2.47% | 2.68% | 2.70% | 2.75% | 2.75% | 3.02% | 3.07% | 3.05% | +30 bps | |
| Efficiency Ratio | 70.24% | 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 / Loans | 0.06% | 0.06% | 0.13% | 0.08% | 0.10% | 0.11% | 0.13% | 0.14% | +6 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 | 1.01% | 0.99% | 1.00% | 0.99% | 1.02% | 1.03% | 1.02% | 0.00% | -99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.36% | 12.46% | 12.45% | 12.52% | 12.32% | 12.38% | 12.69% | 12.72% | +21 bps | |
| Net Worth / Assets | 12.36% | 12.46% | 12.45% | 12.52% | 12.32% | 12.38% | 12.69% | 12.72% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.78% | 86.74% | 88.63% | 87.50% | 87.50% | 87.46% | 89.36% | 90.64% | +314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |