Ada, OK · Charter 60841
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.59% | -0.75% | -0.58% | -0.63% | -1.11% | +48 bps | |
| Return on Equity | -35.67% | -21.72% | -17.66% | -19.55% | -41.87% | -620 bps | |
| Net Interest Margin | 3.46% | 3.10% | 3.07% | 3.17% | 3.12% | -34 bps | |
| Efficiency Ratio | 124.64% | 118.36% | 113.68% | 117.50% | 123.48% | -116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.35% | 1.71% | 2.82% | 0.63% | -3.08% | -343 bps | |
| Loan Growth (YoY) | -21.57% | -21.57% | -16.72% | -9.84% | -4.19% | +1,738 bps | |
| Share Growth (YoY) | 2.86% | 4.24% | 4.23% | 1.89% | -2.20% | -506 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.79% | 1.71% | 1.54% | 1.98% | 1.99% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.09% | 1.20% | 0.74% | 0.86% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.47% | 3.46% | 3.28% | 3.22% | 2.65% | -182 bps | |
| Net Worth / Assets | 4.47% | 3.46% | 3.28% | 3.22% | 2.65% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.97% | 38.86% | 38.15% | 41.93% | 42.09% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |