Suppose Anthony Noto, CFO of SoFi, an American online personal finance company and online bank based in San Francisco, is assessing SoFi's ratios based on its most recent financial statements. SoFi has a total debt ratio of $0\mathrm{.}30$ and a return on assets of $15\%.$ Based on these numbers, SoFi's return on equity is closest to:

$10\mathrm{.}50$ percent

$32\mathrm{.}00$ percent

$45\mathrm{.}00$ percent

$21\mathrm{.}50$ percent