Tulsa, OK · Charter 19676
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Tulsa, OK · Charter 19676
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.49% | -0.47% | -0.52% | -0.50% | -0.17% | -0.09% | -0.43% | +9 bps | |
| Return on Equity | 0.33% | -6.96% | -7.28% | -8.13% | -7.63% | -2.71% | -1.35% | -6.30% | +184 bps | |
| Net Interest Margin | 4.74% | 4.77% | 4.26% | 4.30% | 4.47% | 4.67% | 2.34% | 4.25% | -6 bps | |
| Efficiency Ratio | 99.59% | 108.52% | 108.72% | 109.56% | 108.85% | 102.90% | 102.90% | 107.87% | -170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -13.23% | -3.30% | -3.29% | -5.57% | 1.92% | -4.63% | -12.08% | -879 bps | |
| Loan Growth (YoY) | 0.51% | -4.02% | -3.96% | -4.68% | -7.96% | -3.28% | -2.92% | -10.97% | -629 bps | |
| Share Growth (YoY) | -14.91% | -20.23% | -1.98% | -2.44% | 1.62% | 11.31% | -5.01% | -12.09% | -966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 1.76% | 1.50% | 1.65% | 1.44% | 1.27% | 1.27% | 2.35% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | n/a | |
| Allowance / Loans | 0.45% | 1.04% | 1.04% | 1.01% | 1.05% | 1.05% | 1.05% | 1.11% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.49% | 6.99% | 6.42% | 6.34% | 6.49% | 6.44% | 6.44% | 6.79% | +45 bps | |
| Net Worth / Assets | 7.49% | 6.99% | 6.42% | 6.34% | 6.49% | 6.44% | 6.44% | 6.79% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.27% | 98.04% | 83.35% | 86.96% | 85.38% | 85.19% | 85.19% | 88.08% | +111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |