Tulsa, OK · Charter 7162
NCUA · 1 branch
Q3 2023
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.96% | -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 Margin | 1.92% | 2.68% | 2.09% | 2.24% | 2.39% | 2.57% | 2.62% | 2.65% | +41 bps | |
| Efficiency Ratio | 109.22% | 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 / Loans | 0.55% | 0.21% | 0.55% | 0.38% | 0.98% | 0.80% | 4.15% | 3.00% | +262 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 | 0.98% | 1.05% | 0.36% | 0.39% | 0.26% | 0.00% | 0.00% | 0.00% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.86% | 11.26% | 10.74% | 11.11% | 10.35% | 9.85% | 9.94% | 6.72% | -440 bps | |
| Net Worth / Assets | 11.86% | 11.26% | 10.74% | 11.11% | 10.35% | 9.85% | 9.94% | 6.72% | -440 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.19% | 50.65% | 54.08% | 58.08% | 56.79% | 66.72% | 63.12% | 62.67% | +459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |