Oklahoma City, OK · Charter 12366
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Oklahoma City, OK · Charter 12366
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.23% | 0.46% | 1.04% | 0.87% | +47 bps | |
| Return on Equity | 4.13% | 2.34% | 4.55% | 10.49% | 8.17% | +404 bps | |
| Net Interest Margin | 3.49% | 3.60% | 3.83% | 4.47% | 4.20% | +70 bps | |
| Efficiency Ratio | 87.77% | 92.64% | 87.26% | 76.60% | 79.21% | -856 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.31% | -2.18% | 2.26% | 1.62% | -2.42% | -672 bps | |
| Loan Growth (YoY) | 0.75% | 9.19% | 20.56% | 15.03% | 0.04% | -71 bps | |
| Share Growth (YoY) | 5.01% | -2.32% | 1.88% | 0.86% | -3.56% | -857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.64% | 2.12% | 2.55% | 2.69% | +221 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.88% | 0.74% | 0.62% | 0.50% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.69% | 9.86% | 10.23% | 9.96% | 10.62% | +93 bps | |
| Net Worth / Assets | 9.69% | 9.86% | 10.23% | 9.96% | 10.62% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.46% | 47.37% | 50.53% | 44.38% | 46.12% | +166 bps | |
| Liquid Assets / Assets | 57.66% | 55.28% | 52.28% | 57.88% | 0.00% | -5,766 bps | |