Tulsa, OK · Charter 62997
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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 62997
NCUA · 1 branch
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.46% | 0.38% | 0.26% | 0.30% | 0.30% | 0.35% | 0.30% | +4 bps | |
| Return on Equity | 5.52% | 4.72% | 3.88% | 2.66% | 3.15% | 3.12% | 3.51% | 2.90% | +24 bps | |
| Net Interest Margin | 2.38% | 2.34% | 2.34% | 2.29% | 2.24% | 2.27% | 2.38% | 2.42% | +13 bps | |
| Efficiency Ratio | 81.38% | 85.00% | 87.68% | 90.93% | 86.77% | 87.54% | 86.17% | 88.69% | -224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.07% | 4.21% | 2.93% | 1.32% | 1.57% | 2.43% | -0.48% | -1.94% | -326 bps | |
| Loan Growth (YoY) | 2.42% | 0.83% | -4.81% | -5.36% | -4.34% | -5.39% | -3.00% | -2.38% | +298 bps | |
| Share Growth (YoY) | 8.03% | 5.11% | 2.62% | -0.24% | 1.27% | 1.61% | -0.85% | -1.36% | -112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.35% | 0.40% | 0.36% | 0.42% | 0.52% | 0.23% | 0.34% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.36% | 0.29% | 0.25% | 0.26% | 0.28% | 0.19% | 0.20% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.55% | 9.75% | 9.82% | 9.72% | 9.60% | 9.70% | 10.10% | 10.21% | +49 bps | |
| Net Worth / Assets | 9.55% | 9.75% | 9.82% | 9.72% | 9.60% | 9.70% | 10.10% | 10.21% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.54% | 60.86% | 58.84% | 58.29% | 56.24% | 56.67% | 57.57% | 57.68% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |