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Onecu

Tulsa, OK · Charter 24587

Q2 2000

$32.7MAssets
$26.1MLoans
$29.9MShares
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 0.34%, down 399 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.67% of loans (-48 bps YoY).
  • Funding: loans stand at 87.29% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.34%-399 bps YoY

Net Interest Margin (quarter, annualized)

4.11%

Efficiency Ratio (quarter, annualized)

90.19%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.33%4.10%3.91%0.05%0.34%-399 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.08%4.11%n/a
Efficiency Ration/an/an/a95.81%90.19%n/a
Growth
Asset Growth (YoY)n/a15.34%9.12%1.17%-0.16%n/a
Loan Growth (YoY)n/a18.71%13.46%11.12%4.77%n/a
Share Growth (YoY)n/a12.14%9.08%3.53%-0.55%n/a
Asset Quality
Delinquent Loans / Loans1.15%0.94%0.89%0.78%0.67%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.27%1.19%1.00%0.97%-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 / Shares82.85%91.05%89.84%92.23%87.29%+443 bps
Liquid Assets / Assets14.16%12.90%10.52%7.67%13.80%-35 bps