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Oxford

Oxford, NC · Charter 63553

Q2 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oxford

Oxford, NC · Charter 63553

Q2 2015

$16.5MAssets
$4.4MLoans
$12.7MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.56%, down 95 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.59% of loans (-178 bps YoY).
  • Capital: net worth / assets of 23.26%, down 74 bps from a year ago.
  • Funding: loans stand at 34.47% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-0.56%-95 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+7 bps YoY

Efficiency Ratio (YTD, annualized)

105.68%+1,382 bps YoY

Net Worth / Assets

23.26%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.24%-0.12%0.23%0.40%0.29%-2.22%-0.19%-0.56%-95 bps
Return on Equity-1.06%-0.53%0.95%1.65%1.21%-9.37%-0.79%-2.39%-404 bps
Net Interest Margin2.54%2.59%2.68%2.55%2.51%2.75%2.41%2.62%+7 bps
Efficiency Ratio99.60%97.46%91.75%91.87%93.45%181.26%101.02%105.68%+1,382 bps
Growth
Asset Growth (YoY)1.61%1.59%-4.03%-3.32%-2.85%-10.33%-7.42%-7.55%-423 bps
Loan Growth (YoY)-6.85%-2.69%-0.17%3.44%-2.10%-8.27%-3.22%-4.14%-758 bps
Share Growth (YoY)2.15%2.25%-5.15%-4.59%-4.04%-10.86%-6.92%-6.64%-205 bps
Asset Quality
Delinquent Loans / Loans2.99%2.49%2.55%2.37%1.41%1.37%0.92%0.59%-178 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.69%0.80%0.76%0.38%0.23%0.45%0.34%0.62%+24 bps
Capital
Risk-Based Capital22.87%23.20%23.96%24.00%23.82%23.65%23.56%23.26%-74 bps
Net Worth / Assets22.87%23.20%23.96%24.00%23.82%23.65%23.56%23.26%-74 bps
Liquidity & Funding
Loans / Shares31.86%33.12%34.05%33.57%32.51%34.09%35.40%34.47%+90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps