PackageTrendsPeer
Letter portraitLegal landscape

Hillcrest

Tulsa, OK · Charter 7162

NCUA · 1 branch

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

Hillcrest

Tulsa, OK · Charter 7162

NCUA · 1 branch

Q3 2023

$11.4MAssets
$6.6MLoans
$10.6MShares
$763KNet Worth

Executive Summary

  • Earnings: ROA of -8.56%, down 862 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 3.00% of loans (+262 bps YoY).
  • Capital: net worth / assets of 6.72%, down 440 bps from a year ago.
  • Funding: loans stand at 62.67% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

-8.56%-862 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+41 bps YoY

Efficiency Ratio (YTD, annualized)

363%+25,888 bps YoY

Net Worth / Assets

6.72%-440 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-1.96%-0.01%0.44%0.06%-1.51%-7.17%-4.50%-8.56%-862 bps
Return on Equity-16.48%-0.06%4.08%0.51%-14.57%-72.79%-45.28%-127.51%-12,802 bps
Net Interest Margin1.92%2.68%2.09%2.24%2.39%2.57%2.62%2.65%+41 bps
Efficiency Ratio109.22%89.80%98.04%103.78%157.35%318%234%363%+25,888 bps
Growth
Asset Growth (YoY)9.16%14.49%19.61%11.78%0.03%-15.33%-23.80%-26.45%-3,823 bps
Loan Growth (YoY)14.04%17.16%36.81%31.84%6.62%12.48%-13.34%-16.63%-4,847 bps
Share Growth (YoY)13.20%19.32%22.58%13.49%1.74%-14.60%-25.75%-22.73%-3,622 bps
Asset Quality
Delinquent Loans / Loans0.55%0.21%0.55%0.38%0.98%0.80%4.15%3.00%+262 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.98%1.05%0.36%0.39%0.26%0.00%0.00%0.00%-39 bps
Capital
Risk-Based Capital11.86%11.26%10.74%11.11%10.35%9.85%9.94%6.72%-440 bps
Net Worth / Assets11.86%11.26%10.74%11.11%10.35%9.85%9.94%6.72%-440 bps
Liquidity & Funding
Loans / Shares54.19%50.65%54.08%58.08%56.79%66.72%63.12%62.67%+459 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps