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Tulsa Teachers

Tulsa, OK · Charter 60553

NCUA · 16 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tulsa Teachers

Tulsa, OK · Charter 60553

NCUA · 16 branches

Q2 2017

$1.8BAssets
$1.2BLoans
$1.4BShares
$225.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.72%, down 6 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.66% of loans (-22 bps YoY).
  • Capital: net worth / assets of 12.51%, down 1 bps from a year ago.
  • Funding: loans stand at 90.43% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

0.72%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-14 bps YoY

Efficiency Ratio (YTD, annualized)

65.48%+345 bps YoY

Net Worth / Assets

12.51%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.26%1.17%0.86%0.78%0.84%0.83%0.78%0.72%-6 bps
Return on Equity9.96%9.26%6.83%6.22%6.67%6.54%6.13%5.72%-50 bps
Net Interest Margin3.17%3.10%3.07%3.02%2.98%2.96%2.90%2.88%-14 bps
Efficiency Ratio57.08%58.17%59.42%62.03%60.99%61.09%64.34%65.48%+345 bps
Growth
Asset Growth (YoY)6.09%6.96%5.61%7.08%8.88%6.63%6.25%6.84%-24 bps
Loan Growth (YoY)1.10%3.17%4.21%4.43%4.91%4.35%3.78%4.00%-43 bps
Share Growth (YoY)5.85%6.32%5.44%6.40%8.10%6.82%7.10%5.44%-97 bps
Asset Quality
Delinquent Loans / Loans1.00%1.17%0.92%0.88%0.81%1.02%0.65%0.66%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.08%1.04%1.05%1.08%1.09%1.13%1.11%1.10%+1 bps
Capital
Risk-Based Capital12.70%12.61%12.60%12.53%12.52%12.66%12.67%12.51%-1 bps
Net Worth / Assets12.70%12.61%12.60%12.53%12.52%12.66%12.67%12.51%-1 bps
Liquidity & Funding
Loans / Shares94.38%92.79%91.30%91.68%91.59%90.65%88.48%90.43%-125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps