PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ada Federal Employees

Ada, OK · Charter 60851

Q2 2011

$7.4MAssets
$4.7MLoans
$6.7MShares
$635KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.05%, up 2 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.56%, down 39 bps from a year ago.
  • Funding: loans stand at 70.35% of shares as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

1.05%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.49%+64 bps YoY

Efficiency Ratio (quarter, annualized)

72.05%+1,117 bps YoY

Net Worth / Assets

8.56%-39 bps YoY

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets1.03%0.00%1.00%1.01%1.05%+2 bps
Return on Equity11.52%-0.01%12.60%12.64%12.25%+73 bps
Net Interest Margin3.85%3.24%3.49%4.38%4.49%+64 bps
Efficiency Ratio60.88%78.99%61.32%72.80%72.05%+1,117 bps
Growth
Asset Growth (YoY)5.44%11.68%12.93%18.52%12.13%+669 bps
Loan Growth (YoY)14.94%11.48%17.93%14.36%10.46%-448 bps
Share Growth (YoY)3.94%10.61%13.16%19.12%11.89%+795 bps
Asset Quality
Delinquent Loans / Loans0.00%0.51%0.00%0.01%0.03%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.65%0.28%0.51%0.63%+1 bps
Capital
Risk-Based Capital8.95%7.56%7.91%7.97%8.56%-39 bps
Net Worth / Assets8.95%7.56%7.91%7.97%8.56%-39 bps
Liquidity & Funding
Loans / Shares71.26%62.56%68.90%66.84%70.35%-91 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps