Sand Springs, OK · Charter 60316
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.21% | 4.44% | 3.78% | 3.82% | 3.83% | -39 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) | -7.80% | -12.85% | -8.35% | -4.46% | -2.96% | +484 bps | |
| Loan Growth (YoY) | 3.97% | -1.85% | -6.76% | -8.09% | -8.41% | -1,238 bps | |
| Share Growth (YoY) | -10.09% | -15.50% | -10.25% | -6.92% | -4.17% | +592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.65% | 1.32% | 1.31% | 1.83% | 0.84% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.30% | 2.08% | 1.65% | 1.54% | 1.54% | -76 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 | 61.77% | 63.08% | 62.04% | 61.93% | 59.04% | -273 bps | |
| Liquid Assets / Assets | 29.91% | 30.68% | 27.58% | 29.92% | 36.60% | +669 bps | |