PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Phillips O. C. District

Oklahoma City, OK · Charter 2361

Q4 1998

$1.9MAssets
$982KLoans
$1.3MShares
n/aNet 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 2.77%, down 55 bps year over year.
  • Asset quality: problem loans at 1.40% of loans (+81 bps YoY).
  • Funding: loans stand at 74.41% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

2.77%-55 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.33%2.81%2.77%2.71%2.77%-55 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-41.16%-34.27%-23.94%-15.69%-9.69%+3,147 bps
Loan Growth (YoY)-3.21%-21.22%-31.47%-33.41%-36.30%-3,309 bps
Share Growth (YoY)-48.40%-40.44%-29.52%-19.72%-13.35%+3,504 bps
Asset Quality
Delinquent Loans / Loans0.59%0.81%1.53%1.75%1.40%+81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%0.31%0.35%0.45%0.68%+48 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares101.20%84.92%77.54%74.90%74.41%-2,680 bps
Liquid Assets / Assets17.16%29.25%37.30%44.06%40.43%+2,327 bps