Langston, OK · Charter 4370
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.40% | -5.73% | -7.14% | -10.76% | -15.33% | -1,393 bps | |
| Return on Equity | -12.85% | -65.60% | -103.38% | -483% | n/a | n/a | |
| Net Interest Margin | 10.45% | 7.47% | 6.58% | 6.80% | 8.16% | -229 bps | |
| Efficiency Ratio | 86.45% | 149.92% | 170.51% | 159.66% | 155.18% | +6,873 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.21% | 0.90% | -2.02% | 4.33% | -15.98% | -877 bps | |
| Loan Growth (YoY) | -48.50% | -27.15% | -37.21% | -35.06% | 8.18% | +5,667 bps | |
| Share Growth (YoY) | -9.12% | 0.24% | 1.88% | 9.86% | -4.25% | +487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.33% | 10.43% | 14.69% | 10.42% | 2.98% | -735 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.60% | 3.03% | 3.97% | 13.47% | 9.49% | +189 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.87% | 8.73% | 6.91% | 2.23% | -3.27% | -1,414 bps | |
| Net Worth / Assets | 10.87% | 8.73% | 6.91% | 2.23% | -3.27% | -1,414 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.03% | 47.09% | 40.98% | 42.09% | 72.33% | +831 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |