Oklahoma City, OK · Charter 3172
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.69% | 2.91% | 2.97% | 3.43% | 1.33% | -236 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 1.99% | 6.78% | -4.28% | -6.21% | -9.74% | -1,173 bps | |
| Loan Growth (YoY) | 10.82% | 8.93% | 6.74% | 0.26% | -15.33% | -2,616 bps | |
| Share Growth (YoY) | 4.21% | 8.12% | -3.71% | -4.51% | -5.64% | -985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 1.90% | 2.74% | 2.33% | 2.04% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.27% | 1.37% | 1.39% | 2.09% | +99 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.00% | 92.74% | 98.14% | 92.85% | 88.83% | -1,017 bps | |
| Liquid Assets / Assets | 4.87% | 10.36% | 5.59% | 10.43% | 10.96% | +609 bps | |