Duncan, OK · Charter 10454
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 0.23% | -0.70% | -0.79% | -1.22% | -254 bps | |
| Return on Equity | 8.37% | 1.51% | -4.53% | -4.86% | -7.78% | -1,615 bps | |
| Net Interest Margin | 7.97% | 7.00% | 6.04% | 5.83% | 5.27% | -271 bps | |
| Efficiency Ratio | 69.41% | 80.65% | 98.59% | 102.80% | 115.32% | +4,591 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.52% | -2.19% | -7.92% | -11.38% | -10.34% | -682 bps | |
| Loan Growth (YoY) | -8.25% | -20.46% | -30.29% | -44.85% | -47.23% | -3,898 bps | |
| Share Growth (YoY) | -6.39% | -3.74% | -8.41% | -11.35% | -9.88% | -349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 30.80% | 17.08% | 20.11% | 33.09% | 44.95% | +1,415 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 20.44% | 6.46% | 7.77% | 10.05% | 11.08% | -936 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.70% | 14.99% | 15.56% | 16.31% | 15.75% | +5 bps | |
| Net Worth / Assets | 15.70% | 14.99% | 15.56% | 16.31% | 15.75% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.01% | 87.69% | 78.89% | 69.75% | 63.25% | -4,476 bps | |
| Liquid Assets / Assets | 25.36% | 28.77% | 36.94% | 44.83% | 49.23% | +2,387 bps | |