Pryor, OK · Charter 11465
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pryor, OK · Charter 11465
Q2 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | -1.67% | -2.21% | -52.08% | -27.85% | -2,864 bps | |
| Return on Equity | 8.13% | -18.59% | -26.03% | n/a | n/a | n/a | |
| Net Interest Margin | 3.19% | 3.36% | 3.78% | 3.90% | 3.00% | -18 bps | |
| Efficiency Ratio | 69.04% | 68.72% | 68.85% | n/a | 539% | +46,966 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.63% | -11.67% | -12.14% | -24.70% | -25.29% | -2,067 bps | |
| Loan Growth (YoY) | -10.15% | -11.36% | -11.77% | -11.67% | -18.22% | -807 bps | |
| Share Growth (YoY) | -5.08% | -11.18% | -10.85% | -13.72% | -13.63% | -855 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.19% | 6.46% | 7.82% | 4.44% | 3.12% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.06% | 6.64% | 6.36% | 7.11% | 6.13% | +207 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.73% | 8.96% | 8.48% | -3.32% | -4.01% | -1,374 bps | |
| Net Worth / Assets | 9.73% | 8.96% | 8.48% | -3.32% | -4.01% | -1,374 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.29% | 79.18% | 78.04% | 75.22% | 71.29% | -400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |