Oklahoma City, OK · Charter 23093
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 23093
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.13% | -3.47% | -0.40% | -2.66% | -300 bps | |
| Return on Equity | 2.11% | 0.93% | -25.97% | -2.78% | -21.17% | -2,329 bps | |
| Net Interest Margin | 3.17% | 2.72% | 2.81% | 2.74% | 2.67% | -51 bps | |
| Efficiency Ratio | 92.26% | 96.59% | 99.62% | 74.40% | 138.79% | +4,653 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | 14.82% | 9.37% | 6.46% | 9.76% | +1,141 bps | |
| Loan Growth (YoY) | 1.58% | 2.49% | -0.70% | -5.99% | -8.52% | -1,010 bps | |
| Share Growth (YoY) | -1.61% | 17.35% | 12.64% | 8.56% | 10.82% | +1,243 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 1.00% | 1.08% | 0.65% | 1.68% | +58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.37% | 0.41% | 0.58% | 0.50% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.10% | 13.96% | 13.37% | 14.25% | 12.57% | -353 bps | |
| Net Worth / Assets | 16.10% | 13.96% | 13.37% | 14.25% | 12.57% | -353 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.75% | 55.87% | 54.01% | 53.96% | 55.10% | -1,165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |