PackageTrendsPeer
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Gilt Edge Employees

Norman, OK · Charter 14412

NCUA · 1 branch

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gilt Edge Employees

Norman, OK · Charter 14412

NCUA · 1 branch

Q1 2019

$1.1MAssets
$519KLoans
$853KShares
$289KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.51%, down 110 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 4.10% of loans (+303 bps YoY).
  • Capital: net worth / assets of 25.16%, up 1,023 bps from a year ago.
  • Funding: loans stand at 60.82% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.51%-110 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+128 bps YoY

Efficiency Ratio (YTD, annualized)

88.65%+47 bps YoY

Net Worth / Assets

25.16%+1,023 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.61%0.01%-0.07%0.21%0.51%-110 bps
Return on Equity10.77%0.03%-0.46%1.11%2.01%-875 bps
Net Interest Margin3.11%3.05%3.16%3.65%4.39%+128 bps
Efficiency Ratio88.18%82.97%82.27%78.55%88.65%+47 bps
Growth
Asset Growth (YoY)-3.23%-6.53%-10.30%-21.31%-41.32%-3,809 bps
Loan Growth (YoY)-23.64%-19.98%-22.00%-24.66%-14.83%+881 bps
Share Growth (YoY)-4.38%-7.44%-12.12%-25.33%-48.53%-4,415 bps
Asset Quality
Delinquent Loans / Loans1.07%2.35%2.45%4.51%4.10%+303 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.25%4.54%4.57%4.90%5.67%+243 bps
Capital
Risk-Based Capital14.93%15.09%15.64%18.83%25.16%+1,023 bps
Net Worth / Assets14.93%15.09%15.64%18.83%25.16%+1,023 bps
Liquidity & Funding
Loans / Shares36.76%37.53%37.44%42.13%60.82%+2,406 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps