Tulsa, OK · Charter 60974
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | -0.01% | -0.10% | 0.53% | 0.84% | +47 bps | |
| Return on Equity | 2.57% | -0.11% | -0.71% | 3.52% | 4.72% | +215 bps | |
| Net Interest Margin | 6.20% | 4.99% | 6.16% | 6.83% | 7.69% | +149 bps | |
| Efficiency Ratio | 88.39% | 93.91% | 95.21% | 87.05% | 89.89% | +151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.35% | 14.16% | -20.58% | -50.11% | -14.83% | -548 bps | |
| Loan Growth (YoY) | -17.46% | 1.56% | 12.96% | 8.37% | 11.73% | +2,919 bps | |
| Share Growth (YoY) | -10.73% | 16.49% | -23.44% | -54.43% | -23.33% | -1,260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.24% | 0.11% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.08% | 2.70% | 2.80% | 3.07% | 2.67% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.38% | 11.98% | 14.77% | 15.08% | 17.72% | +334 bps | |
| Net Worth / Assets | 14.38% | 11.98% | 14.77% | 15.08% | 17.72% | +334 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.99% | 78.77% | 98.38% | 93.27% | 118.02% | +3,703 bps | |
| Liquid Assets / Assets | 30.53% | 30.62% | 16.60% | 19.10% | 6.83% | -2,369 bps | |