Tulsa, OK · Charter 62636
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tulsa, OK · Charter 62636
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.04% | 0.03% | 0.03% | -2.54% | -257 bps | |
| Return on Equity | 0.29% | 0.36% | 0.28% | 0.26% | -23.30% | -2,359 bps | |
| Net Interest Margin | 3.56% | 3.35% | 3.38% | 3.42% | 3.27% | -29 bps | |
| Efficiency Ratio | 99.10% | 105.65% | 103.21% | 101.97% | 136.71% | +3,761 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.27% | -6.27% | -5.12% | -0.78% | -2.49% | +678 bps | |
| Loan Growth (YoY) | -5.71% | -10.60% | -8.07% | -11.77% | -8.32% | -261 bps | |
| Share Growth (YoY) | -11.04% | -8.01% | -4.89% | -1.08% | -1.83% | +921 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 1.06% | 1.05% | 0.12% | 0.10% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.50% | 0.48% | 0.45% | 0.10% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.24% | 11.32% | 11.14% | 11.06% | 10.91% | -33 bps | |
| Net Worth / Assets | 11.24% | 11.32% | 11.14% | 11.06% | 10.91% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.86% | 78.10% | 78.10% | 73.84% | 74.58% | -528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |