PackageTrendsPeer
Letter portraitLegal landscape

Tulsa Federal Employees

Tulsa, OK · Charter 60575

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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 Federal Employees

Tulsa, OK · Charter 60575

Q4 2008

$428.4MAssets
$197.6MLoans
$369.5MShares
$49.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, down 13 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.19% of loans (-48 bps YoY).
  • Capital: net worth / assets of 11.46%, down 62 bps from a year ago.
  • Funding: loans stand at 53.46% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

0.35%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.37%-17 bps YoY

Efficiency Ratio (YTD, annualized)

83.33%+307 bps YoY

Net Worth / Assets

11.46%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.55%0.57%0.53%0.48%0.17%0.22%0.33%0.35%-13 bps
Return on Equity4.46%4.57%4.29%4.00%1.49%1.92%2.84%3.08%-92 bps
Net Interest Margin2.63%2.67%2.62%2.55%2.27%2.26%2.35%2.37%-17 bps
Efficiency Ratio79.86%79.60%79.09%80.27%89.00%87.61%84.87%83.33%+307 bps
Growth
Asset Growth (YoY)2.10%2.36%6.54%7.56%9.94%12.80%9.95%8.74%+118 bps
Loan Growth (YoY)0.28%0.72%-0.68%1.41%-0.04%-1.53%-0.47%0.11%-130 bps
Share Growth (YoY)2.09%3.75%6.44%7.86%11.99%14.03%12.59%9.23%+136 bps
Asset Quality
Delinquent Loans / Loans0.64%0.60%0.44%0.67%0.60%0.52%0.42%0.19%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.03%0.91%0.86%0.80%0.77%0.73%0.65%0.62%-18 bps
Capital
Risk-Based Capital12.29%12.47%12.28%12.08%11.55%11.36%11.50%11.46%-62 bps
Net Worth / Assets12.29%12.47%12.28%12.08%11.55%11.36%11.50%11.46%-62 bps
Liquidity & Funding
Loans / Shares59.55%59.89%59.55%58.33%53.16%51.72%52.64%53.46%-487 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps