Tulsa, OK · Charter 24392
Q3 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 4.33% | 0.74% | 0.81% | 0.78% | -63 bps | |
| Return on Equity | 15.32% | 46.87% | 8.24% | 9.17% | 8.59% | -674 bps | |
| Net Interest Margin | 1.66% | 4.57% | 0.99% | 1.04% | 1.02% | -64 bps | |
| Efficiency Ratio | 15.39% | 5.36% | 25.61% | 22.41% | 23.38% | +798 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.69% | 23.10% | 16.65% | 11.99% | 11.65% | -1,404 bps | |
| Loan Growth (YoY) | -2.72% | -4.56% | -6.09% | -4.40% | -2.48% | +24 bps | |
| Share Growth (YoY) | 27.09% | 23.85% | 16.72% | 12.06% | 12.66% | -1,443 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.03% | 0.03% | 0.11% | 0.08% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.58% | 0.60% | 0.59% | 0.49% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.18% | 9.23% | 8.93% | 8.81% | 9.10% | -8 bps | |
| Net Worth / Assets | 9.18% | 9.23% | 8.93% | 8.81% | 9.10% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.11% | 59.23% | 53.82% | 55.29% | 53.76% | -835 bps | |
| Liquid Assets / Assets | 20.12% | 25.88% | 33.26% | 30.26% | 32.56% | +1,245 bps | |